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$27,389
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,241
−HK$865/mo
Today · 4.125%
HK$29,106
baseline
▲ 0.50% · 4.625%
HK$30,877
+HK$1,771/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,212/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,470
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,287
−HK$829/mo
Today · 4.125%
HK$32,116
baseline
▲ 0.50% · 4.625%
HK$33,809
+HK$1,693/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,232/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,866
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,889
−HK$1,038/mo
Today · 4.125%
HK$34,927
baseline
▲ 0.50% · 4.625%
HK$37,053
+HK$2,126/mo
Deposit HK$4.80M · loan HK$7.21M · min. income ≈ HK$69,854/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,564
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,544
−HK$995/mo
Today · 4.125%
HK$38,539
baseline
▲ 0.50% · 4.625%
HK$40,570
+HK$2,031/mo
Deposit HK$4.80M · loan HK$7.21M · min. income ≈ HK$77,078/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,344
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,537
−HK$1,212/mo
Today · 4.125%
HK$40,749
baseline
▲ 0.50% · 4.625%
HK$43,228
+HK$2,479/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,498/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,658
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,802
−HK$1,160/mo
Today · 4.125%
HK$44,962
baseline
▲ 0.50% · 4.625%
HK$47,332
+HK$2,370/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,924/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,300
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,833
−HK$1,558/mo
Today · 4.125%
HK$52,391
baseline
▲ 0.50% · 4.625%
HK$55,579
+HK$3,188/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,782/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,845
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,316
−HK$1,492/mo
Today · 4.125%
HK$57,808
baseline
▲ 0.50% · 4.625%
HK$60,856
+HK$3,048/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,616/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,422 · Scale 2, in force from 26 Feb 2026)