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$27,424
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,277
−HK$867/mo
Today · 4.125%
HK$29,144
baseline
▲ 0.50% · 4.625%
HK$30,917
+HK$1,773/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,288/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$451,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,509
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,327
−HK$830/mo
Today · 4.125%
HK$32,157
baseline
▲ 0.50% · 4.625%
HK$33,852
+HK$1,695/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,314/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$451,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,909
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,933
−HK$1,040/mo
Today · 4.125%
HK$34,973
baseline
▲ 0.50% · 4.625%
HK$37,101
+HK$2,128/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,946/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,611
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,593
−HK$996/mo
Today · 4.125%
HK$38,589
baseline
▲ 0.50% · 4.625%
HK$40,623
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,178/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,394
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,588
−HK$1,213/mo
Today · 4.125%
HK$40,801
baseline
▲ 0.50% · 4.625%
HK$43,284
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,602/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,713
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,858
−HK$1,162/mo
Today · 4.125%
HK$45,020
baseline
▲ 0.50% · 4.625%
HK$47,393
+HK$2,373/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,040/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,363
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,899
−HK$1,560/mo
Today · 4.125%
HK$52,459
baseline
▲ 0.50% · 4.625%
HK$55,651
+HK$3,192/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,918/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,916
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,389
−HK$1,494/mo
Today · 4.125%
HK$57,883
baseline
▲ 0.50% · 4.625%
HK$60,934
+HK$3,051/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,766/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,005 · Scale 2, in force from 26 Feb 2026)