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$27,456
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,310
−HK$867/mo
Today · 4.125%
HK$29,177
baseline
▲ 0.50% · 4.625%
HK$30,953
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,354/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,544
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,363
−HK$831/mo
Today · 4.125%
HK$32,194
baseline
▲ 0.50% · 4.625%
HK$33,891
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,388/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,947
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,972
−HK$1,041/mo
Today · 4.125%
HK$35,013
baseline
▲ 0.50% · 4.625%
HK$37,143
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,026/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,653
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,636
−HK$997/mo
Today · 4.125%
HK$38,633
baseline
▲ 0.50% · 4.625%
HK$40,670
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,266/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,438
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,634
−HK$1,214/mo
Today · 4.125%
HK$40,848
baseline
▲ 0.50% · 4.625%
HK$43,334
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,696/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,762
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,909
−HK$1,163/mo
Today · 4.125%
HK$45,072
baseline
▲ 0.50% · 4.625%
HK$47,448
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,144/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,420
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,957
−HK$1,562/mo
Today · 4.125%
HK$52,519
baseline
▲ 0.50% · 4.625%
HK$55,715
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,038/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,979
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,454
−HK$1,496/mo
Today · 4.125%
HK$57,950
baseline
▲ 0.50% · 4.625%
HK$61,004
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,900/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,523 · Scale 2, in force from 26 Feb 2026)