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$27,395
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,247
−HK$866/mo
Today · 4.125%
HK$29,113
baseline
▲ 0.50% · 4.625%
HK$30,884
+HK$1,771/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,226/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,476
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,294
−HK$829/mo
Today · 4.125%
HK$32,123
baseline
▲ 0.50% · 4.625%
HK$33,816
+HK$1,693/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,246/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,874
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,896
−HK$1,039/mo
Today · 4.125%
HK$34,935
baseline
▲ 0.50% · 4.625%
HK$37,061
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,870/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,572
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,552
−HK$995/mo
Today · 4.125%
HK$38,547
baseline
▲ 0.50% · 4.625%
HK$40,579
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,094/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,353
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,546
−HK$1,212/mo
Today · 4.125%
HK$40,758
baseline
▲ 0.50% · 4.625%
HK$43,238
+HK$2,480/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,516/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,667
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,811
−HK$1,161/mo
Today · 4.125%
HK$44,972
baseline
▲ 0.50% · 4.625%
HK$47,343
+HK$2,371/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,944/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,310
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,844
−HK$1,559/mo
Today · 4.125%
HK$52,403
baseline
▲ 0.50% · 4.625%
HK$55,591
+HK$3,188/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,806/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,857
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,329
−HK$1,492/mo
Today · 4.125%
HK$57,821
baseline
▲ 0.50% · 4.625%
HK$60,869
+HK$3,048/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,642/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,520 · Scale 2, in force from 26 Feb 2026)