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$27,404
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,257
−HK$866/mo
Today · 4.125%
HK$29,123
baseline
▲ 0.50% · 4.625%
HK$30,895
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,246/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,487
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,304
−HK$830/mo
Today · 4.125%
HK$32,134
baseline
▲ 0.50% · 4.625%
HK$33,828
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,268/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,885
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,908
−HK$1,039/mo
Today · 4.125%
HK$34,947
baseline
▲ 0.50% · 4.625%
HK$37,074
+HK$2,127/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,894/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,584
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,565
−HK$996/mo
Today · 4.125%
HK$38,561
baseline
▲ 0.50% · 4.625%
HK$40,593
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,122/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,366
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,559
−HK$1,213/mo
Today · 4.125%
HK$40,772
baseline
▲ 0.50% · 4.625%
HK$43,253
+HK$2,481/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$81,544/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,682
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,826
−HK$1,162/mo
Today · 4.125%
HK$44,988
baseline
▲ 0.50% · 4.625%
HK$47,359
+HK$2,371/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$89,976/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,327
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,862
−HK$1,559/mo
Today · 4.125%
HK$52,421
baseline
▲ 0.50% · 4.625%
HK$55,610
+HK$3,189/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,842/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,876
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,348
−HK$1,493/mo
Today · 4.125%
HK$57,841
baseline
▲ 0.50% · 4.625%
HK$60,890
+HK$3,049/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,682/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,676 · Scale 2, in force from 26 Feb 2026)