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$27,412
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,264
−HK$867/mo
Today · 4.125%
HK$29,131
baseline
▲ 0.50% · 4.625%
HK$30,903
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,262/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,495
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,313
−HK$830/mo
Today · 4.125%
HK$32,143
baseline
▲ 0.50% · 4.625%
HK$33,837
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,286/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,894
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,917
−HK$1,040/mo
Today · 4.125%
HK$34,957
baseline
▲ 0.50% · 4.625%
HK$37,084
+HK$2,127/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,914/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,594
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,576
−HK$995/mo
Today · 4.125%
HK$38,571
baseline
▲ 0.50% · 4.625%
HK$40,604
+HK$2,033/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,142/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,376
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,570
−HK$1,213/mo
Today · 4.125%
HK$40,783
baseline
▲ 0.50% · 4.625%
HK$43,264
+HK$2,481/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$81,566/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,693
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,838
−HK$1,162/mo
Today · 4.125%
HK$45,000
baseline
▲ 0.50% · 4.625%
HK$47,372
+HK$2,372/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$90,000/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,341
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,876
−HK$1,559/mo
Today · 4.125%
HK$52,435
baseline
▲ 0.50% · 4.625%
HK$55,626
+HK$3,191/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,870/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,891
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,363
−HK$1,494/mo
Today · 4.125%
HK$57,857
baseline
▲ 0.50% · 4.625%
HK$60,907
+HK$3,050/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,714/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,798 · Scale 2, in force from 26 Feb 2026)