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$27,393
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,245
−HK$866/mo
Today · 4.125%
HK$29,111
baseline
▲ 0.50% · 4.625%
HK$30,882
+HK$1,771/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,222/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,475
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,292
−HK$829/mo
Today · 4.125%
HK$32,121
baseline
▲ 0.50% · 4.625%
HK$33,814
+HK$1,693/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,242/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,872
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,894
−HK$1,039/mo
Today · 4.125%
HK$34,933
baseline
▲ 0.50% · 4.625%
HK$37,059
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,866/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,570
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,550
−HK$995/mo
Today · 4.125%
HK$38,545
baseline
▲ 0.50% · 4.625%
HK$40,577
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,090/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,351
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,543
−HK$1,212/mo
Today · 4.125%
HK$40,755
baseline
▲ 0.50% · 4.625%
HK$43,235
+HK$2,480/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,510/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,665
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,809
−HK$1,161/mo
Today · 4.125%
HK$44,970
baseline
▲ 0.50% · 4.625%
HK$47,340
+HK$2,370/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,940/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,308
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,842
−HK$1,558/mo
Today · 4.125%
HK$52,400
baseline
▲ 0.50% · 4.625%
HK$55,588
+HK$3,188/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,800/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,854
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,326
−HK$1,492/mo
Today · 4.125%
HK$57,818
baseline
▲ 0.50% · 4.625%
HK$60,866
+HK$3,048/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,636/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,496 · Scale 2, in force from 26 Feb 2026)