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$27,447
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,301
−HK$867/mo
Today · 4.125%
HK$29,168
baseline
▲ 0.50% · 4.625%
HK$30,943
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,336/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,534
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,353
−HK$831/mo
Today · 4.125%
HK$32,184
baseline
▲ 0.50% · 4.625%
HK$33,881
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,368/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,936
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,961
−HK$1,041/mo
Today · 4.125%
HK$35,002
baseline
▲ 0.50% · 4.625%
HK$37,131
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$70,004/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,641
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,624
−HK$997/mo
Today · 4.125%
HK$38,621
baseline
▲ 0.50% · 4.625%
HK$40,657
+HK$2,036/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,242/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,426
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,621
−HK$1,214/mo
Today · 4.125%
HK$40,835
baseline
▲ 0.50% · 4.625%
HK$43,320
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,670/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,748
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,895
−HK$1,163/mo
Today · 4.125%
HK$45,058
baseline
▲ 0.50% · 4.625%
HK$47,433
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,116/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,404
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,941
−HK$1,562/mo
Today · 4.125%
HK$52,503
baseline
▲ 0.50% · 4.625%
HK$55,697
+HK$3,194/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$105,006/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,962
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,436
−HK$1,495/mo
Today · 4.125%
HK$57,931
baseline
▲ 0.50% · 4.625%
HK$60,985
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,862/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,379 · Scale 2, in force from 26 Feb 2026)