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$27,457
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,311
−HK$867/mo
Today · 4.125%
HK$29,178
baseline
▲ 0.50% · 4.625%
HK$30,954
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,356/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,545
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,364
−HK$832/mo
Today · 4.125%
HK$32,196
baseline
▲ 0.50% · 4.625%
HK$33,893
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,392/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,948
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,973
−HK$1,041/mo
Today · 4.125%
HK$35,014
baseline
▲ 0.50% · 4.625%
HK$37,145
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,028/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,654
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,637
−HK$998/mo
Today · 4.125%
HK$38,635
baseline
▲ 0.50% · 4.625%
HK$40,671
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,270/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,439
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,635
−HK$1,215/mo
Today · 4.125%
HK$40,850
baseline
▲ 0.50% · 4.625%
HK$43,335
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,700/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,763
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,910
−HK$1,164/mo
Today · 4.125%
HK$45,074
baseline
▲ 0.50% · 4.625%
HK$47,450
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,148/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,422
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,959
−HK$1,562/mo
Today · 4.125%
HK$52,521
baseline
▲ 0.50% · 4.625%
HK$55,717
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,042/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,981
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,456
−HK$1,496/mo
Today · 4.125%
HK$57,952
baseline
▲ 0.50% · 4.625%
HK$61,007
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,904/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,539 · Scale 2, in force from 26 Feb 2026)