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$1,722/mo
▼ 0.25% · 3.875%
HK$28,312
−HK$867/mo
Today · 4.125%
HK$29,179
baseline
▲ 0.50% · 4.625%
HK$30,955
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,358/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,546
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,365
−HK$831/mo
Today · 4.125%
HK$32,196
baseline
▲ 0.50% · 4.625%
HK$33,894
+HK$1,698/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$451,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,949
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,974
−HK$1,041/mo
Today · 4.125%
HK$35,015
baseline
▲ 0.50% · 4.625%
HK$37,146
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,030/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,655
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,638
−HK$998/mo
Today · 4.125%
HK$38,636
baseline
▲ 0.50% · 4.625%
HK$40,672
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,272/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,440
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,636
−HK$1,215/mo
Today · 4.125%
HK$40,851
baseline
▲ 0.50% · 4.625%
HK$43,337
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,702/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,765
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,912
−HK$1,163/mo
Today · 4.125%
HK$45,075
baseline
▲ 0.50% · 4.625%
HK$47,451
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,150/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,423
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,961
−HK$1,562/mo
Today · 4.125%
HK$52,523
baseline
▲ 0.50% · 4.625%
HK$55,719
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,046/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,983
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,458
−HK$1,496/mo
Today · 4.125%
HK$57,954
baseline
▲ 0.50% · 4.625%
HK$61,009
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,908/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,553 · Scale 2, in force from 26 Feb 2026)