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$27,436
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,290
−HK$867/mo
Today · 4.125%
HK$29,157
baseline
▲ 0.50% · 4.625%
HK$30,931
+HK$1,774/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,314/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,523
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,341
−HK$831/mo
Today · 4.125%
HK$32,172
baseline
▲ 0.50% · 4.625%
HK$33,868
+HK$1,696/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,344/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,924
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,948
−HK$1,040/mo
Today · 4.125%
HK$34,988
baseline
▲ 0.50% · 4.625%
HK$37,117
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,976/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,627
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,610
−HK$996/mo
Today · 4.125%
HK$38,606
baseline
▲ 0.50% · 4.625%
HK$40,641
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,212/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,411
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,606
−HK$1,214/mo
Today · 4.125%
HK$40,820
baseline
▲ 0.50% · 4.625%
HK$43,303
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,640/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,732
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,878
−HK$1,162/mo
Today · 4.125%
HK$45,040
baseline
▲ 0.50% · 4.625%
HK$47,415
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,080/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,385
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,922
−HK$1,560/mo
Today · 4.125%
HK$52,482
baseline
▲ 0.50% · 4.625%
HK$55,676
+HK$3,194/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,964/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,941
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,414
−HK$1,495/mo
Today · 4.125%
HK$57,909
baseline
▲ 0.50% · 4.625%
HK$60,962
+HK$3,053/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,818/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,205 · Scale 2, in force from 26 Feb 2026)