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$27,461
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,315
−HK$868/mo
Today · 4.125%
HK$29,183
baseline
▲ 0.50% · 4.625%
HK$30,959
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,366/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,550
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,369
−HK$832/mo
Today · 4.125%
HK$32,201
baseline
▲ 0.50% · 4.625%
HK$33,898
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,402/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,953
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,978
−HK$1,042/mo
Today · 4.125%
HK$35,020
baseline
▲ 0.50% · 4.625%
HK$37,150
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,040/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,660
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,643
−HK$998/mo
Today · 4.125%
HK$38,641
baseline
▲ 0.50% · 4.625%
HK$40,677
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,282/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,445
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,641
−HK$1,215/mo
Today · 4.125%
HK$40,856
baseline
▲ 0.50% · 4.625%
HK$43,342
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,712/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,770
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,917
−HK$1,164/mo
Today · 4.125%
HK$45,081
baseline
▲ 0.50% · 4.625%
HK$47,457
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,162/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,430
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,967
−HK$1,562/mo
Today · 4.125%
HK$52,529
baseline
▲ 0.50% · 4.625%
HK$55,726
+HK$3,197/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,058/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,990
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,465
−HK$1,496/mo
Today · 4.125%
HK$57,961
baseline
▲ 0.50% · 4.625%
HK$61,016
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,922/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,609 · Scale 2, in force from 26 Feb 2026)