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$27,470
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,325
−HK$868/mo
Today · 4.125%
HK$29,193
baseline
▲ 0.50% · 4.625%
HK$30,969
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,386/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,560
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,380
−HK$831/mo
Today · 4.125%
HK$32,211
baseline
▲ 0.50% · 4.625%
HK$33,909
+HK$1,698/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,422/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,964
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,990
−HK$1,041/mo
Today · 4.125%
HK$35,031
baseline
▲ 0.50% · 4.625%
HK$37,163
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,062/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,672
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,656
−HK$998/mo
Today · 4.125%
HK$38,654
baseline
▲ 0.50% · 4.625%
HK$40,691
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,308/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,458
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,654
−HK$1,216/mo
Today · 4.125%
HK$40,870
baseline
▲ 0.50% · 4.625%
HK$43,357
+HK$2,487/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,740/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,784
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,932
−HK$1,164/mo
Today · 4.125%
HK$45,096
baseline
▲ 0.50% · 4.625%
HK$47,473
+HK$2,377/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,192/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,446
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,984
−HK$1,563/mo
Today · 4.125%
HK$52,547
baseline
▲ 0.50% · 4.625%
HK$55,744
+HK$3,197/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,094/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,008
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,484
−HK$1,496/mo
Today · 4.125%
HK$57,980
baseline
▲ 0.50% · 4.625%
HK$61,037
+HK$3,057/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,960/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,761 · Scale 2, in force from 26 Feb 2026)