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$27,401
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,253
−HK$866/mo
Today · 4.125%
HK$29,119
baseline
▲ 0.50% · 4.625%
HK$30,891
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,238/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,483
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,301
−HK$829/mo
Today · 4.125%
HK$32,130
baseline
▲ 0.50% · 4.625%
HK$33,824
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,260/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,881
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,904
−HK$1,039/mo
Today · 4.125%
HK$34,943
baseline
▲ 0.50% · 4.625%
HK$37,069
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,886/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,580
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,561
−HK$995/mo
Today · 4.125%
HK$38,556
baseline
▲ 0.50% · 4.625%
HK$40,589
+HK$2,033/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,112/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,361
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,555
−HK$1,212/mo
Today · 4.125%
HK$40,767
baseline
▲ 0.50% · 4.625%
HK$43,248
+HK$2,481/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,534/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,677
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,821
−HK$1,161/mo
Today · 4.125%
HK$44,982
baseline
▲ 0.50% · 4.625%
HK$47,354
+HK$2,372/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,964/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,322
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,856
−HK$1,559/mo
Today · 4.125%
HK$52,415
baseline
▲ 0.50% · 4.625%
HK$55,604
+HK$3,189/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,830/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,870
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,342
−HK$1,493/mo
Today · 4.125%
HK$57,835
baseline
▲ 0.50% · 4.625%
HK$60,883
+HK$3,048/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,670/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,625 · Scale 2, in force from 26 Feb 2026)