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$27,455
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,309
−HK$867/mo
Today · 4.125%
HK$29,176
baseline
▲ 0.50% · 4.625%
HK$30,952
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,352/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,543
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,362
−HK$831/mo
Today · 4.125%
HK$32,193
baseline
▲ 0.50% · 4.625%
HK$33,890
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,386/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,945
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,970
−HK$1,041/mo
Today · 4.125%
HK$35,011
baseline
▲ 0.50% · 4.625%
HK$37,142
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,022/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,652
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,634
−HK$998/mo
Today · 4.125%
HK$38,632
baseline
▲ 0.50% · 4.625%
HK$40,668
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,264/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,436
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,632
−HK$1,215/mo
Today · 4.125%
HK$40,847
baseline
▲ 0.50% · 4.625%
HK$43,332
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,694/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,760
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,907
−HK$1,163/mo
Today · 4.125%
HK$45,070
baseline
▲ 0.50% · 4.625%
HK$47,446
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,140/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,418
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,955
−HK$1,562/mo
Today · 4.125%
HK$52,517
baseline
▲ 0.50% · 4.625%
HK$55,713
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,034/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,977
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,452
−HK$1,496/mo
Today · 4.125%
HK$57,948
baseline
▲ 0.50% · 4.625%
HK$61,002
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,896/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,505 · Scale 2, in force from 26 Feb 2026)