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$27,478
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,333
−HK$869/mo
Today · 4.125%
HK$29,202
baseline
▲ 0.50% · 4.625%
HK$30,978
+HK$1,776/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,404/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,569
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,389
−HK$832/mo
Today · 4.125%
HK$32,221
baseline
▲ 0.50% · 4.625%
HK$33,919
+HK$1,698/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,442/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,974
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,000
−HK$1,042/mo
Today · 4.125%
HK$35,042
baseline
▲ 0.50% · 4.625%
HK$37,174
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,084/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,683
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,667
−HK$998/mo
Today · 4.125%
HK$38,665
baseline
▲ 0.50% · 4.625%
HK$40,703
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,330/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,470
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,666
−HK$1,216/mo
Today · 4.125%
HK$40,882
baseline
▲ 0.50% · 4.625%
HK$43,370
+HK$2,488/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,764/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,797
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,945
−HK$1,164/mo
Today · 4.125%
HK$45,109
baseline
▲ 0.50% · 4.625%
HK$47,487
+HK$2,378/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,218/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,461
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,000
−HK$1,563/mo
Today · 4.125%
HK$52,563
baseline
▲ 0.50% · 4.625%
HK$55,761
+HK$3,198/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,126/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,025
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,501
−HK$1,497/mo
Today · 4.125%
HK$57,998
baseline
▲ 0.50% · 4.625%
HK$61,055
+HK$3,057/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$115,996/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,897 · Scale 2, in force from 26 Feb 2026)