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$27,414
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,266
−HK$867/mo
Today · 4.125%
HK$29,133
baseline
▲ 0.50% · 4.625%
HK$30,905
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,266/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,497
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,315
−HK$830/mo
Today · 4.125%
HK$32,145
baseline
▲ 0.50% · 4.625%
HK$33,840
+HK$1,695/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,290/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,896
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,920
−HK$1,039/mo
Today · 4.125%
HK$34,959
baseline
▲ 0.50% · 4.625%
HK$37,086
+HK$2,127/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,918/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,597
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,578
−HK$996/mo
Today · 4.125%
HK$38,574
baseline
▲ 0.50% · 4.625%
HK$40,607
+HK$2,033/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,148/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,379
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,573
−HK$1,213/mo
Today · 4.125%
HK$40,786
baseline
▲ 0.50% · 4.625%
HK$43,268
+HK$2,482/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,572/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,696
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,842
−HK$1,161/mo
Today · 4.125%
HK$45,003
baseline
▲ 0.50% · 4.625%
HK$47,375
+HK$2,372/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,006/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,345
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,880
−HK$1,559/mo
Today · 4.125%
HK$52,439
baseline
▲ 0.50% · 4.625%
HK$55,630
+HK$3,191/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,878/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,895
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,368
−HK$1,493/mo
Today · 4.125%
HK$57,861
baseline
▲ 0.50% · 4.625%
HK$60,911
+HK$3,050/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,722/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,833 · Scale 2, in force from 26 Feb 2026)