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$27,464
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,318
−HK$868/mo
Today · 4.125%
HK$29,186
baseline
▲ 0.50% · 4.625%
HK$30,962
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,372/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,553
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,372
−HK$832/mo
Today · 4.125%
HK$32,204
baseline
▲ 0.50% · 4.625%
HK$33,901
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,408/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,956
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,982
−HK$1,041/mo
Today · 4.125%
HK$35,023
baseline
▲ 0.50% · 4.625%
HK$37,154
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,046/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,664
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,647
−HK$997/mo
Today · 4.125%
HK$38,644
baseline
▲ 0.50% · 4.625%
HK$40,681
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,288/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,449
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,645
−HK$1,215/mo
Today · 4.125%
HK$40,860
baseline
▲ 0.50% · 4.625%
HK$43,346
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,720/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,774
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,921
−HK$1,164/mo
Today · 4.125%
HK$45,085
baseline
▲ 0.50% · 4.625%
HK$47,462
+HK$2,377/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,170/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,435
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,972
−HK$1,563/mo
Today · 4.125%
HK$52,535
baseline
▲ 0.50% · 4.625%
HK$55,731
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,070/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,995
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,470
−HK$1,497/mo
Today · 4.125%
HK$57,967
baseline
▲ 0.50% · 4.625%
HK$61,022
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,934/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,655 · Scale 2, in force from 26 Feb 2026)