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$27,402
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,255
−HK$866/mo
Today · 4.125%
HK$29,121
baseline
▲ 0.50% · 4.625%
HK$30,893
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,242/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,485
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,302
−HK$830/mo
Today · 4.125%
HK$32,132
baseline
▲ 0.50% · 4.625%
HK$33,825
+HK$1,693/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,264/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,883
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,906
−HK$1,039/mo
Today · 4.125%
HK$34,945
baseline
▲ 0.50% · 4.625%
HK$37,071
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,890/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,582
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,563
−HK$995/mo
Today · 4.125%
HK$38,558
baseline
▲ 0.50% · 4.625%
HK$40,591
+HK$2,033/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,116/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,363
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,556
−HK$1,213/mo
Today · 4.125%
HK$40,769
baseline
▲ 0.50% · 4.625%
HK$43,250
+HK$2,481/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$81,538/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,679
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,823
−HK$1,161/mo
Today · 4.125%
HK$44,984
baseline
▲ 0.50% · 4.625%
HK$47,356
+HK$2,372/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$89,968/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,324
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,858
−HK$1,559/mo
Today · 4.125%
HK$52,417
baseline
▲ 0.50% · 4.625%
HK$55,607
+HK$3,190/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,834/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,872
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,344
−HK$1,493/mo
Today · 4.125%
HK$57,837
baseline
▲ 0.50% · 4.625%
HK$60,886
+HK$3,049/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,674/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,645 · Scale 2, in force from 26 Feb 2026)