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$27,456
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,310
−HK$868/mo
Today · 4.125%
HK$29,178
baseline
▲ 0.50% · 4.625%
HK$30,954
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,356/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,545
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,364
−HK$831/mo
Today · 4.125%
HK$32,195
baseline
▲ 0.50% · 4.625%
HK$33,892
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,390/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,948
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,973
−HK$1,041/mo
Today · 4.125%
HK$35,014
baseline
▲ 0.50% · 4.625%
HK$37,144
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,028/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,654
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,637
−HK$997/mo
Today · 4.125%
HK$38,634
baseline
▲ 0.50% · 4.625%
HK$40,671
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,268/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,439
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,635
−HK$1,214/mo
Today · 4.125%
HK$40,849
baseline
▲ 0.50% · 4.625%
HK$43,335
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,698/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,763
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,910
−HK$1,163/mo
Today · 4.125%
HK$45,073
baseline
▲ 0.50% · 4.625%
HK$47,449
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,146/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,422
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,959
−HK$1,562/mo
Today · 4.125%
HK$52,521
baseline
▲ 0.50% · 4.625%
HK$55,716
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,042/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,981
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,456
−HK$1,495/mo
Today · 4.125%
HK$57,951
baseline
▲ 0.50% · 4.625%
HK$61,006
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,902/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,536 · Scale 2, in force from 26 Feb 2026)