The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$27,431
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,284
−HK$867/mo
Today · 4.125%
HK$29,151
baseline
▲ 0.50% · 4.625%
HK$30,925
+HK$1,774/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,302/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,517
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,335
−HK$831/mo
Today · 4.125%
HK$32,166
baseline
▲ 0.50% · 4.625%
HK$33,861
+HK$1,695/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,332/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,917
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,941
−HK$1,041/mo
Today · 4.125%
HK$34,982
baseline
▲ 0.50% · 4.625%
HK$37,110
+HK$2,128/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,964/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,620
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,602
−HK$997/mo
Today · 4.125%
HK$38,599
baseline
▲ 0.50% · 4.625%
HK$40,633
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,198/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,404
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,598
−HK$1,214/mo
Today · 4.125%
HK$40,812
baseline
▲ 0.50% · 4.625%
HK$43,295
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,624/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,724
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,870
−HK$1,162/mo
Today · 4.125%
HK$45,032
baseline
▲ 0.50% · 4.625%
HK$47,406
+HK$2,374/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,064/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,376
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,912
−HK$1,561/mo
Today · 4.125%
HK$52,473
baseline
▲ 0.50% · 4.625%
HK$55,665
+HK$3,192/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,946/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,931
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,404
−HK$1,494/mo
Today · 4.125%
HK$57,898
baseline
▲ 0.50% · 4.625%
HK$60,950
+HK$3,052/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,796/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,121 · Scale 2, in force from 26 Feb 2026)