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$27,465
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,319
−HK$868/mo
Today · 4.125%
HK$29,187
baseline
▲ 0.50% · 4.625%
HK$30,963
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,374/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,554
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,374
−HK$831/mo
Today · 4.125%
HK$32,205
baseline
▲ 0.50% · 4.625%
HK$33,902
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,410/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,958
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,983
−HK$1,041/mo
Today · 4.125%
HK$35,024
baseline
▲ 0.50% · 4.625%
HK$37,155
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,048/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,665
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,648
−HK$998/mo
Today · 4.125%
HK$38,646
baseline
▲ 0.50% · 4.625%
HK$40,683
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,292/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,451
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,647
−HK$1,215/mo
Today · 4.125%
HK$40,862
baseline
▲ 0.50% · 4.625%
HK$43,348
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,724/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,776
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,923
−HK$1,164/mo
Today · 4.125%
HK$45,087
baseline
▲ 0.50% · 4.625%
HK$47,463
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,174/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,436
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,974
−HK$1,562/mo
Today · 4.125%
HK$52,536
baseline
▲ 0.50% · 4.625%
HK$55,733
+HK$3,197/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,072/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,997
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,472
−HK$1,497/mo
Today · 4.125%
HK$57,969
baseline
▲ 0.50% · 4.625%
HK$61,024
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,938/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,671 · Scale 2, in force from 26 Feb 2026)