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$27,475
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,330
−HK$868/mo
Today · 4.125%
HK$29,198
baseline
▲ 0.50% · 4.625%
HK$30,975
+HK$1,777/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,396/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,566
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,386
−HK$831/mo
Today · 4.125%
HK$32,217
baseline
▲ 0.50% · 4.625%
HK$33,916
+HK$1,699/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,434/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,970
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,996
−HK$1,042/mo
Today · 4.125%
HK$35,038
baseline
▲ 0.50% · 4.625%
HK$37,170
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,076/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,679
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,663
−HK$998/mo
Today · 4.125%
HK$38,661
baseline
▲ 0.50% · 4.625%
HK$40,699
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,322/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,465
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,662
−HK$1,216/mo
Today · 4.125%
HK$40,878
baseline
▲ 0.50% · 4.625%
HK$43,365
+HK$2,487/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,756/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,792
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,940
−HK$1,164/mo
Today · 4.125%
HK$45,104
baseline
▲ 0.50% · 4.625%
HK$47,482
+HK$2,378/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,208/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,456
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,994
−HK$1,563/mo
Today · 4.125%
HK$52,557
baseline
▲ 0.50% · 4.625%
HK$55,755
+HK$3,198/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,114/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,019
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,494
−HK$1,497/mo
Today · 4.125%
HK$57,991
baseline
▲ 0.50% · 4.625%
HK$61,048
+HK$3,057/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,982/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,846 · Scale 2, in force from 26 Feb 2026)