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$27,435
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,289
−HK$867/mo
Today · 4.125%
HK$29,156
baseline
▲ 0.50% · 4.625%
HK$30,930
+HK$1,774/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,312/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,521
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,340
−HK$830/mo
Today · 4.125%
HK$32,170
baseline
▲ 0.50% · 4.625%
HK$33,866
+HK$1,696/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,340/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,922
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,946
−HK$1,041/mo
Today · 4.125%
HK$34,987
baseline
▲ 0.50% · 4.625%
HK$37,116
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,974/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,626
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,608
−HK$996/mo
Today · 4.125%
HK$38,604
baseline
▲ 0.50% · 4.625%
HK$40,639
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,208/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,409
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,604
−HK$1,214/mo
Today · 4.125%
HK$40,818
baseline
▲ 0.50% · 4.625%
HK$43,302
+HK$2,484/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,636/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,730
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,876
−HK$1,163/mo
Today · 4.125%
HK$45,039
baseline
▲ 0.50% · 4.625%
HK$47,413
+HK$2,374/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,078/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,383
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,919
−HK$1,561/mo
Today · 4.125%
HK$52,480
baseline
▲ 0.50% · 4.625%
HK$55,673
+HK$3,193/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,960/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,938
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,412
−HK$1,495/mo
Today · 4.125%
HK$57,907
baseline
▲ 0.50% · 4.625%
HK$60,959
+HK$3,052/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,814/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,187 · Scale 2, in force from 26 Feb 2026)