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$27,481
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,335
−HK$869/mo
Today · 4.125%
HK$29,204
baseline
▲ 0.50% · 4.625%
HK$30,981
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,408/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,572
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,392
−HK$832/mo
Today · 4.125%
HK$32,224
baseline
▲ 0.50% · 4.625%
HK$33,922
+HK$1,698/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,448/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,977
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,003
−HK$1,042/mo
Today · 4.125%
HK$35,045
baseline
▲ 0.50% · 4.625%
HK$37,177
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,090/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,686
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,670
−HK$998/mo
Today · 4.125%
HK$38,668
baseline
▲ 0.50% · 4.625%
HK$40,707
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,336/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,473
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,670
−HK$1,215/mo
Today · 4.125%
HK$40,885
baseline
▲ 0.50% · 4.625%
HK$43,373
+HK$2,488/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,770/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,801
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,949
−HK$1,164/mo
Today · 4.125%
HK$45,113
baseline
▲ 0.50% · 4.625%
HK$47,491
+HK$2,378/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,226/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,465
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,004
−HK$1,563/mo
Today · 4.125%
HK$52,567
baseline
▲ 0.50% · 4.625%
HK$55,766
+HK$3,199/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,134/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,029
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,505
−HK$1,498/mo
Today · 4.125%
HK$58,003
baseline
▲ 0.50% · 4.625%
HK$61,060
+HK$3,057/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,006/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,933 · Scale 2, in force from 26 Feb 2026)