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$27,458
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,312
−HK$868/mo
Today · 4.125%
HK$29,180
baseline
▲ 0.50% · 4.625%
HK$30,955
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,360/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,547
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,366
−HK$831/mo
Today · 4.125%
HK$32,197
baseline
▲ 0.50% · 4.625%
HK$33,894
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,394/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,949
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,974
−HK$1,042/mo
Today · 4.125%
HK$35,016
baseline
▲ 0.50% · 4.625%
HK$37,146
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,032/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,656
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,639
−HK$997/mo
Today · 4.125%
HK$38,636
baseline
▲ 0.50% · 4.625%
HK$40,673
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,272/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,441
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,637
−HK$1,215/mo
Today · 4.125%
HK$40,852
baseline
▲ 0.50% · 4.625%
HK$43,337
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,704/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,765
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,912
−HK$1,164/mo
Today · 4.125%
HK$45,076
baseline
▲ 0.50% · 4.625%
HK$47,452
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,152/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,424
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,961
−HK$1,562/mo
Today · 4.125%
HK$52,523
baseline
▲ 0.50% · 4.625%
HK$55,719
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,046/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,984
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,458
−HK$1,496/mo
Today · 4.125%
HK$57,954
baseline
▲ 0.50% · 4.625%
HK$61,009
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,908/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,559 · Scale 2, in force from 26 Feb 2026)