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$27,467
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,322
−HK$868/mo
Today · 4.125%
HK$29,190
baseline
▲ 0.50% · 4.625%
HK$30,966
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,380/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,557
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,376
−HK$832/mo
Today · 4.125%
HK$32,208
baseline
▲ 0.50% · 4.625%
HK$33,906
+HK$1,698/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,416/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,961
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,986
−HK$1,041/mo
Today · 4.125%
HK$35,027
baseline
▲ 0.50% · 4.625%
HK$37,159
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,054/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,668
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,652
−HK$997/mo
Today · 4.125%
HK$38,649
baseline
▲ 0.50% · 4.625%
HK$40,687
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,298/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,454
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,650
−HK$1,215/mo
Today · 4.125%
HK$40,865
baseline
▲ 0.50% · 4.625%
HK$43,352
+HK$2,487/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,730/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,780
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,927
−HK$1,164/mo
Today · 4.125%
HK$45,091
baseline
▲ 0.50% · 4.625%
HK$47,468
+HK$2,377/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,182/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,441
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,979
−HK$1,562/mo
Today · 4.125%
HK$52,541
baseline
▲ 0.50% · 4.625%
HK$55,738
+HK$3,197/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,082/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,002
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,478
−HK$1,496/mo
Today · 4.125%
HK$57,974
baseline
▲ 0.50% · 4.625%
HK$61,030
+HK$3,056/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,948/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,712 · Scale 2, in force from 26 Feb 2026)