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$27,471
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,326
−HK$868/mo
Today · 4.125%
HK$29,194
baseline
▲ 0.50% · 4.625%
HK$30,970
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,388/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,561
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,381
−HK$832/mo
Today · 4.125%
HK$32,213
baseline
▲ 0.50% · 4.625%
HK$33,911
+HK$1,698/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,426/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,965
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,991
−HK$1,042/mo
Today · 4.125%
HK$35,033
baseline
▲ 0.50% · 4.625%
HK$37,164
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,066/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,674
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,657
−HK$998/mo
Today · 4.125%
HK$38,655
baseline
▲ 0.50% · 4.625%
HK$40,693
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,310/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,460
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,656
−HK$1,215/mo
Today · 4.125%
HK$40,871
baseline
▲ 0.50% · 4.625%
HK$43,358
+HK$2,487/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,742/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,786
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,934
−HK$1,164/mo
Today · 4.125%
HK$45,098
baseline
▲ 0.50% · 4.625%
HK$47,475
+HK$2,377/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,196/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,448
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,986
−HK$1,563/mo
Today · 4.125%
HK$52,549
baseline
▲ 0.50% · 4.625%
HK$55,746
+HK$3,197/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,098/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,011
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,486
−HK$1,497/mo
Today · 4.125%
HK$57,983
baseline
▲ 0.50% · 4.625%
HK$61,039
+HK$3,056/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,966/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,779 · Scale 2, in force from 26 Feb 2026)