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$27,443
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,297
−HK$867/mo
Today · 4.125%
HK$29,164
baseline
▲ 0.50% · 4.625%
HK$30,938
+HK$1,774/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,328/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,530
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,349
−HK$830/mo
Today · 4.125%
HK$32,179
baseline
▲ 0.50% · 4.625%
HK$33,876
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,358/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,931
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,956
−HK$1,041/mo
Today · 4.125%
HK$34,997
baseline
▲ 0.50% · 4.625%
HK$37,126
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,994/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,636
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,618
−HK$997/mo
Today · 4.125%
HK$38,615
baseline
▲ 0.50% · 4.625%
HK$40,651
+HK$2,036/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,230/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,420
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,615
−HK$1,214/mo
Today · 4.125%
HK$40,829
baseline
▲ 0.50% · 4.625%
HK$43,314
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,658/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,742
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,888
−HK$1,163/mo
Today · 4.125%
HK$45,051
baseline
▲ 0.50% · 4.625%
HK$47,426
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,102/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,397
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,934
−HK$1,561/mo
Today · 4.125%
HK$52,495
baseline
▲ 0.50% · 4.625%
HK$55,689
+HK$3,194/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,990/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,954
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,428
−HK$1,495/mo
Today · 4.125%
HK$57,923
baseline
▲ 0.50% · 4.625%
HK$60,976
+HK$3,053/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,846/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,313 · Scale 2, in force from 26 Feb 2026)