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$27,469
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,324
−HK$868/mo
Today · 4.125%
HK$29,192
baseline
▲ 0.50% · 4.625%
HK$30,968
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,384/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,559
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,379
−HK$831/mo
Today · 4.125%
HK$32,210
baseline
▲ 0.50% · 4.625%
HK$33,908
+HK$1,698/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,420/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,963
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,988
−HK$1,042/mo
Today · 4.125%
HK$35,030
baseline
▲ 0.50% · 4.625%
HK$37,161
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,060/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,671
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,654
−HK$998/mo
Today · 4.125%
HK$38,652
baseline
▲ 0.50% · 4.625%
HK$40,690
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,304/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,457
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,653
−HK$1,215/mo
Today · 4.125%
HK$40,868
baseline
▲ 0.50% · 4.625%
HK$43,355
+HK$2,487/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,736/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,783
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,930
−HK$1,164/mo
Today · 4.125%
HK$45,094
baseline
▲ 0.50% · 4.625%
HK$47,471
+HK$2,377/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,188/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,444
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,982
−HK$1,563/mo
Today · 4.125%
HK$52,545
baseline
▲ 0.50% · 4.625%
HK$55,742
+HK$3,197/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,090/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,006
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,482
−HK$1,496/mo
Today · 4.125%
HK$57,978
baseline
▲ 0.50% · 4.625%
HK$61,034
+HK$3,056/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,956/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,744 · Scale 2, in force from 26 Feb 2026)