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$27,480
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,335
−HK$868/mo
Today · 4.125%
HK$29,203
baseline
▲ 0.50% · 4.625%
HK$30,980
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,406/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,571
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,391
−HK$832/mo
Today · 4.125%
HK$32,223
baseline
▲ 0.50% · 4.625%
HK$33,921
+HK$1,698/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,446/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,976
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,002
−HK$1,042/mo
Today · 4.125%
HK$35,044
baseline
▲ 0.50% · 4.625%
HK$37,176
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,088/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,685
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,669
−HK$998/mo
Today · 4.125%
HK$38,667
baseline
▲ 0.50% · 4.625%
HK$40,706
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,334/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,472
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,669
−HK$1,215/mo
Today · 4.125%
HK$40,884
baseline
▲ 0.50% · 4.625%
HK$43,372
+HK$2,488/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,768/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,800
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,947
−HK$1,165/mo
Today · 4.125%
HK$45,112
baseline
▲ 0.50% · 4.625%
HK$47,490
+HK$2,378/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,224/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,464
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,002
−HK$1,564/mo
Today · 4.125%
HK$52,566
baseline
▲ 0.50% · 4.625%
HK$55,764
+HK$3,198/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,132/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,028
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,504
−HK$1,497/mo
Today · 4.125%
HK$58,001
baseline
▲ 0.50% · 4.625%
HK$61,058
+HK$3,057/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,002/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,922 · Scale 2, in force from 26 Feb 2026)