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$27,451
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,305
−HK$868/mo
Today · 4.125%
HK$29,173
baseline
▲ 0.50% · 4.625%
HK$30,948
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,346/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,539
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,359
−HK$830/mo
Today · 4.125%
HK$32,189
baseline
▲ 0.50% · 4.625%
HK$33,886
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,378/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,942
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,966
−HK$1,042/mo
Today · 4.125%
HK$35,008
baseline
▲ 0.50% · 4.625%
HK$37,138
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,016/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,647
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,630
−HK$997/mo
Today · 4.125%
HK$38,627
baseline
▲ 0.50% · 4.625%
HK$40,663
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,254/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,432
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,628
−HK$1,214/mo
Today · 4.125%
HK$40,842
baseline
▲ 0.50% · 4.625%
HK$43,327
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,684/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,755
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,902
−HK$1,163/mo
Today · 4.125%
HK$45,065
baseline
▲ 0.50% · 4.625%
HK$47,441
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,130/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,413
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,950
−HK$1,561/mo
Today · 4.125%
HK$52,511
baseline
▲ 0.50% · 4.625%
HK$55,706
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$105,022/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,971
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,445
−HK$1,496/mo
Today · 4.125%
HK$57,941
baseline
▲ 0.50% · 4.625%
HK$60,995
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,882/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,454 · Scale 2, in force from 26 Feb 2026)