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$27,440
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,294
−HK$867/mo
Today · 4.125%
HK$29,161
baseline
▲ 0.50% · 4.625%
HK$30,935
+HK$1,774/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,322/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,527
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,346
−HK$830/mo
Today · 4.125%
HK$32,176
baseline
▲ 0.50% · 4.625%
HK$33,872
+HK$1,696/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,352/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,928
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,952
−HK$1,041/mo
Today · 4.125%
HK$34,993
baseline
▲ 0.50% · 4.625%
HK$37,122
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,986/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,632
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,615
−HK$996/mo
Today · 4.125%
HK$38,611
baseline
▲ 0.50% · 4.625%
HK$40,647
+HK$2,036/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,222/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,416
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,611
−HK$1,214/mo
Today · 4.125%
HK$40,825
baseline
▲ 0.50% · 4.625%
HK$43,309
+HK$2,484/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,650/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,738
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,884
−HK$1,162/mo
Today · 4.125%
HK$45,046
baseline
▲ 0.50% · 4.625%
HK$47,421
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,092/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,392
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,928
−HK$1,561/mo
Today · 4.125%
HK$52,489
baseline
▲ 0.50% · 4.625%
HK$55,683
+HK$3,194/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,978/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,948
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,422
−HK$1,495/mo
Today · 4.125%
HK$57,917
baseline
▲ 0.50% · 4.625%
HK$60,970
+HK$3,053/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,834/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,267 · Scale 2, in force from 26 Feb 2026)