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$27,447
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,301
−HK$868/mo
Today · 4.125%
HK$29,169
baseline
▲ 0.50% · 4.625%
HK$30,943
+HK$1,774/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,338/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,535
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,354
−HK$831/mo
Today · 4.125%
HK$32,185
baseline
▲ 0.50% · 4.625%
HK$33,881
+HK$1,696/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,370/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,937
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,961
−HK$1,041/mo
Today · 4.125%
HK$35,002
baseline
▲ 0.50% · 4.625%
HK$37,132
+HK$2,130/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$70,004/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,642
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,625
−HK$997/mo
Today · 4.125%
HK$38,622
baseline
▲ 0.50% · 4.625%
HK$40,657
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,244/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,426
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,622
−HK$1,214/mo
Today · 4.125%
HK$40,836
baseline
▲ 0.50% · 4.625%
HK$43,321
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,672/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,749
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,896
−HK$1,163/mo
Today · 4.125%
HK$45,059
baseline
▲ 0.50% · 4.625%
HK$47,434
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,118/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,405
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,942
−HK$1,562/mo
Today · 4.125%
HK$52,504
baseline
▲ 0.50% · 4.625%
HK$55,698
+HK$3,194/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$105,008/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,963
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,437
−HK$1,495/mo
Today · 4.125%
HK$57,932
baseline
▲ 0.50% · 4.625%
HK$60,986
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,864/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,388 · Scale 2, in force from 26 Feb 2026)