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$27,444
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,298
−HK$867/mo
Today · 4.125%
HK$29,165
baseline
▲ 0.50% · 4.625%
HK$30,940
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,330/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,531
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,350
−HK$831/mo
Today · 4.125%
HK$32,181
baseline
▲ 0.50% · 4.625%
HK$33,877
+HK$1,696/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,362/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,933
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,957
−HK$1,041/mo
Today · 4.125%
HK$34,998
baseline
▲ 0.50% · 4.625%
HK$37,128
+HK$2,130/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,996/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,638
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,620
−HK$997/mo
Today · 4.125%
HK$38,617
baseline
▲ 0.50% · 4.625%
HK$40,653
+HK$2,036/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,234/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,422
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,617
−HK$1,214/mo
Today · 4.125%
HK$40,831
baseline
▲ 0.50% · 4.625%
HK$43,316
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,662/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,744
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,890
−HK$1,163/mo
Today · 4.125%
HK$45,053
baseline
▲ 0.50% · 4.625%
HK$47,428
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,106/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,400
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,936
−HK$1,561/mo
Today · 4.125%
HK$52,497
baseline
▲ 0.50% · 4.625%
HK$55,692
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,994/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,957
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,430
−HK$1,496/mo
Today · 4.125%
HK$57,926
baseline
▲ 0.50% · 4.625%
HK$60,979
+HK$3,053/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,852/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,335 · Scale 2, in force from 26 Feb 2026)