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$27,433
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,287
−HK$867/mo
Today · 4.125%
HK$29,154
baseline
▲ 0.50% · 4.625%
HK$30,927
+HK$1,773/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,308/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,519
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,338
−HK$830/mo
Today · 4.125%
HK$32,168
baseline
▲ 0.50% · 4.625%
HK$33,864
+HK$1,696/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,336/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,920
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,944
−HK$1,040/mo
Today · 4.125%
HK$34,984
baseline
▲ 0.50% · 4.625%
HK$37,113
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,968/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,623
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,605
−HK$997/mo
Today · 4.125%
HK$38,602
baseline
▲ 0.50% · 4.625%
HK$40,636
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,204/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,406
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,601
−HK$1,214/mo
Today · 4.125%
HK$40,815
baseline
▲ 0.50% · 4.625%
HK$43,298
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,630/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,727
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,873
−HK$1,162/mo
Today · 4.125%
HK$45,035
baseline
▲ 0.50% · 4.625%
HK$47,409
+HK$2,374/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,070/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,380
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,916
−HK$1,560/mo
Today · 4.125%
HK$52,476
baseline
▲ 0.50% · 4.625%
HK$55,669
+HK$3,193/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,952/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,935
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,408
−HK$1,494/mo
Today · 4.125%
HK$57,902
baseline
▲ 0.50% · 4.625%
HK$60,955
+HK$3,053/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,804/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,154 · Scale 2, in force from 26 Feb 2026)