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$27,417
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,269
−HK$867/mo
Today · 4.125%
HK$29,136
baseline
▲ 0.50% · 4.625%
HK$30,909
+HK$1,773/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,272/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,501
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$830/mo
Today · 4.125%
HK$32,149
baseline
▲ 0.50% · 4.625%
HK$33,843
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,298/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,900
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,923
−HK$1,040/mo
Today · 4.125%
HK$34,963
baseline
▲ 0.50% · 4.625%
HK$37,090
+HK$2,127/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,926/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,601
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,582
−HK$996/mo
Today · 4.125%
HK$38,578
baseline
▲ 0.50% · 4.625%
HK$40,612
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,156/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,383
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,577
−HK$1,213/mo
Today · 4.125%
HK$40,790
baseline
▲ 0.50% · 4.625%
HK$43,272
+HK$2,482/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,580/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,701
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,846
−HK$1,162/mo
Today · 4.125%
HK$45,008
baseline
▲ 0.50% · 4.625%
HK$47,380
+HK$2,372/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,016/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,350
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,885
−HK$1,560/mo
Today · 4.125%
HK$52,445
baseline
▲ 0.50% · 4.625%
HK$55,636
+HK$3,191/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,890/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,901
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,374
−HK$1,493/mo
Today · 4.125%
HK$57,867
baseline
▲ 0.50% · 4.625%
HK$60,918
+HK$3,051/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,734/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,881 · Scale 2, in force from 26 Feb 2026)