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$27,395
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,247
−HK$866/mo
Today · 4.125%
HK$29,113
baseline
▲ 0.50% · 4.625%
HK$30,885
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,226/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,477
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,294
−HK$830/mo
Today · 4.125%
HK$32,124
baseline
▲ 0.50% · 4.625%
HK$33,817
+HK$1,693/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,248/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,874
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,897
−HK$1,039/mo
Today · 4.125%
HK$34,936
baseline
▲ 0.50% · 4.625%
HK$37,062
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,872/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,572
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,553
−HK$995/mo
Today · 4.125%
HK$38,548
baseline
▲ 0.50% · 4.625%
HK$40,580
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,096/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,353
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,546
−HK$1,213/mo
Today · 4.125%
HK$40,759
baseline
▲ 0.50% · 4.625%
HK$43,239
+HK$2,480/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,518/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,668
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,812
−HK$1,161/mo
Today · 4.125%
HK$44,973
baseline
▲ 0.50% · 4.625%
HK$47,344
+HK$2,371/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,946/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,312
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,845
−HK$1,559/mo
Today · 4.125%
HK$52,404
baseline
▲ 0.50% · 4.625%
HK$55,592
+HK$3,188/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,808/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,859
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,330
−HK$1,492/mo
Today · 4.125%
HK$57,822
baseline
▲ 0.50% · 4.625%
HK$60,870
+HK$3,048/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,644/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,530 · Scale 2, in force from 26 Feb 2026)