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$27,479
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,334
−HK$869/mo
Today · 4.125%
HK$29,203
baseline
▲ 0.50% · 4.625%
HK$30,980
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,406/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,571
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,391
−HK$831/mo
Today · 4.125%
HK$32,222
baseline
▲ 0.50% · 4.625%
HK$33,921
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,444/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,975
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,001
−HK$1,042/mo
Today · 4.125%
HK$35,043
baseline
▲ 0.50% · 4.625%
HK$37,176
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,086/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,685
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,669
−HK$998/mo
Today · 4.125%
HK$38,667
baseline
▲ 0.50% · 4.625%
HK$40,705
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,334/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,471
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,668
−HK$1,216/mo
Today · 4.125%
HK$40,884
baseline
▲ 0.50% · 4.625%
HK$43,371
+HK$2,487/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,768/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,799
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,947
−HK$1,164/mo
Today · 4.125%
HK$45,111
baseline
▲ 0.50% · 4.625%
HK$47,489
+HK$2,378/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,222/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,463
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,002
−HK$1,563/mo
Today · 4.125%
HK$52,565
baseline
▲ 0.50% · 4.625%
HK$55,763
+HK$3,198/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,130/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,027
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,503
−HK$1,497/mo
Today · 4.125%
HK$58,000
baseline
▲ 0.50% · 4.625%
HK$61,057
+HK$3,057/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,000/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,915 · Scale 2, in force from 26 Feb 2026)