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$27,407
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,260
−HK$866/mo
Today · 4.125%
HK$29,126
baseline
▲ 0.50% · 4.625%
HK$30,898
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,252/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,490
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,308
−HK$830/mo
Today · 4.125%
HK$32,138
baseline
▲ 0.50% · 4.625%
HK$33,832
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,276/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,889
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,912
−HK$1,039/mo
Today · 4.125%
HK$34,951
baseline
▲ 0.50% · 4.625%
HK$37,078
+HK$2,127/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,902/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,588
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,570
−HK$995/mo
Today · 4.125%
HK$38,565
baseline
▲ 0.50% · 4.625%
HK$40,598
+HK$2,033/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,130/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,370
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,564
−HK$1,212/mo
Today · 4.125%
HK$40,776
baseline
▲ 0.50% · 4.625%
HK$43,258
+HK$2,482/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$81,552/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,687
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,831
−HK$1,162/mo
Today · 4.125%
HK$44,993
baseline
▲ 0.50% · 4.625%
HK$47,364
+HK$2,371/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$89,986/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,333
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,868
−HK$1,559/mo
Today · 4.125%
HK$52,427
baseline
▲ 0.50% · 4.625%
HK$55,617
+HK$3,190/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,854/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,883
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,355
−HK$1,493/mo
Today · 4.125%
HK$57,848
baseline
▲ 0.50% · 4.625%
HK$60,897
+HK$3,049/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,696/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,729 · Scale 2, in force from 26 Feb 2026)