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$27,477
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,332
−HK$868/mo
Today · 4.125%
HK$29,200
baseline
▲ 0.50% · 4.625%
HK$30,977
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,400/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,568
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,388
−HK$832/mo
Today · 4.125%
HK$32,220
baseline
▲ 0.50% · 4.625%
HK$33,918
+HK$1,698/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,440/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,973
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,998
−HK$1,042/mo
Today · 4.125%
HK$35,040
baseline
▲ 0.50% · 4.625%
HK$37,173
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,080/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,682
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,666
−HK$998/mo
Today · 4.125%
HK$38,664
baseline
▲ 0.50% · 4.625%
HK$40,702
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,328/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,468
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,665
−HK$1,216/mo
Today · 4.125%
HK$40,881
baseline
▲ 0.50% · 4.625%
HK$43,368
+HK$2,487/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,762/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,796
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,943
−HK$1,165/mo
Today · 4.125%
HK$45,108
baseline
▲ 0.50% · 4.625%
HK$47,485
+HK$2,377/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,216/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,459
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$50,998
−HK$1,563/mo
Today · 4.125%
HK$52,561
baseline
▲ 0.50% · 4.625%
HK$55,759
+HK$3,198/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,122/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,023
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,499
−HK$1,497/mo
Today · 4.125%
HK$57,996
baseline
▲ 0.50% · 4.625%
HK$61,053
+HK$3,057/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$115,992/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,879 · Scale 2, in force from 26 Feb 2026)