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$27,427
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,280
−HK$867/mo
Today · 4.125%
HK$29,147
baseline
▲ 0.50% · 4.625%
HK$30,921
+HK$1,774/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,294/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,512
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,331
−HK$830/mo
Today · 4.125%
HK$32,161
baseline
▲ 0.50% · 4.625%
HK$33,856
+HK$1,695/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,322/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,912
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,936
−HK$1,040/mo
Today · 4.125%
HK$34,976
baseline
▲ 0.50% · 4.625%
HK$37,105
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,952/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,615
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,597
−HK$996/mo
Today · 4.125%
HK$38,593
baseline
▲ 0.50% · 4.625%
HK$40,627
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,186/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,398
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,592
−HK$1,214/mo
Today · 4.125%
HK$40,806
baseline
▲ 0.50% · 4.625%
HK$43,289
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,612/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,717
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,863
−HK$1,162/mo
Today · 4.125%
HK$45,025
baseline
▲ 0.50% · 4.625%
HK$47,398
+HK$2,373/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,050/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,369
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,904
−HK$1,561/mo
Today · 4.125%
HK$52,465
baseline
▲ 0.50% · 4.625%
HK$55,657
+HK$3,192/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,930/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,922
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,395
−HK$1,494/mo
Today · 4.125%
HK$57,889
baseline
▲ 0.50% · 4.625%
HK$60,941
+HK$3,052/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,778/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,053 · Scale 2, in force from 26 Feb 2026)