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$27,428
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,281
−HK$867/mo
Today · 4.125%
HK$29,148
baseline
▲ 0.50% · 4.625%
HK$30,922
+HK$1,774/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,296/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,514
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,332
−HK$830/mo
Today · 4.125%
HK$32,162
baseline
▲ 0.50% · 4.625%
HK$33,858
+HK$1,696/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,324/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,914
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,938
−HK$1,040/mo
Today · 4.125%
HK$34,978
baseline
▲ 0.50% · 4.625%
HK$37,106
+HK$2,128/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,956/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,616
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,598
−HK$997/mo
Today · 4.125%
HK$38,595
baseline
▲ 0.50% · 4.625%
HK$40,629
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,190/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,400
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,594
−HK$1,214/mo
Today · 4.125%
HK$40,808
baseline
▲ 0.50% · 4.625%
HK$43,291
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,616/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,719
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,865
−HK$1,162/mo
Today · 4.125%
HK$45,027
baseline
▲ 0.50% · 4.625%
HK$47,401
+HK$2,374/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,054/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,371
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,907
−HK$1,560/mo
Today · 4.125%
HK$52,467
baseline
▲ 0.50% · 4.625%
HK$55,659
+HK$3,192/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,934/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,925
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,398
−HK$1,494/mo
Today · 4.125%
HK$57,892
baseline
▲ 0.50% · 4.625%
HK$60,944
+HK$3,052/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,784/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,072 · Scale 2, in force from 26 Feb 2026)