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$27,398
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,250
−HK$866/mo
Today · 4.125%
HK$29,116
baseline
▲ 0.50% · 4.625%
HK$30,888
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,232/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,480
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,298
−HK$829/mo
Today · 4.125%
HK$32,127
baseline
▲ 0.50% · 4.625%
HK$33,820
+HK$1,693/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,254/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,878
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,900
−HK$1,039/mo
Today · 4.125%
HK$34,939
baseline
▲ 0.50% · 4.625%
HK$37,065
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,878/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,576
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,557
−HK$995/mo
Today · 4.125%
HK$38,552
baseline
▲ 0.50% · 4.625%
HK$40,584
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,104/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,357
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,550
−HK$1,213/mo
Today · 4.125%
HK$40,763
baseline
▲ 0.50% · 4.625%
HK$43,243
+HK$2,480/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,526/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,672
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,817
−HK$1,161/mo
Today · 4.125%
HK$44,978
baseline
▲ 0.50% · 4.625%
HK$47,348
+HK$2,370/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,956/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,317
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,851
−HK$1,558/mo
Today · 4.125%
HK$52,409
baseline
▲ 0.50% · 4.625%
HK$55,598
+HK$3,189/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,818/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,864
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,336
−HK$1,492/mo
Today · 4.125%
HK$57,828
baseline
▲ 0.50% · 4.625%
HK$60,877
+HK$3,049/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,656/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,576 · Scale 2, in force from 26 Feb 2026)