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$27,450
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,304
−HK$867/mo
Today · 4.125%
HK$29,171
baseline
▲ 0.50% · 4.625%
HK$30,946
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,342/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,538
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,357
−HK$830/mo
Today · 4.125%
HK$32,187
baseline
▲ 0.50% · 4.625%
HK$33,884
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,374/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,940
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,964
−HK$1,041/mo
Today · 4.125%
HK$35,005
baseline
▲ 0.50% · 4.625%
HK$37,135
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,010/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,645
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,628
−HK$997/mo
Today · 4.125%
HK$38,625
baseline
▲ 0.50% · 4.625%
HK$40,661
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,250/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,430
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,625
−HK$1,214/mo
Today · 4.125%
HK$40,839
baseline
▲ 0.50% · 4.625%
HK$43,324
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,678/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,753
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,899
−HK$1,163/mo
Today · 4.125%
HK$45,062
baseline
▲ 0.50% · 4.625%
HK$47,438
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,124/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,409
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,946
−HK$1,562/mo
Today · 4.125%
HK$52,508
baseline
▲ 0.50% · 4.625%
HK$55,703
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$105,016/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,968
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,442
−HK$1,495/mo
Today · 4.125%
HK$57,937
baseline
▲ 0.50% · 4.625%
HK$60,991
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,874/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,425 · Scale 2, in force from 26 Feb 2026)