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$27,442
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,296
−HK$867/mo
Today · 4.125%
HK$29,163
baseline
▲ 0.50% · 4.625%
HK$30,937
+HK$1,774/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,326/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,529
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,348
−HK$830/mo
Today · 4.125%
HK$32,178
baseline
▲ 0.50% · 4.625%
HK$33,875
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,356/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,930
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,955
−HK$1,041/mo
Today · 4.125%
HK$34,996
baseline
▲ 0.50% · 4.625%
HK$37,125
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,992/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,635
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,617
−HK$997/mo
Today · 4.125%
HK$38,614
baseline
▲ 0.50% · 4.625%
HK$40,649
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,228/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,419
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,614
−HK$1,214/mo
Today · 4.125%
HK$40,828
baseline
▲ 0.50% · 4.625%
HK$43,312
+HK$2,484/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,656/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,741
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,887
−HK$1,163/mo
Today · 4.125%
HK$45,050
baseline
▲ 0.50% · 4.625%
HK$47,424
+HK$2,374/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,100/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,396
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,932
−HK$1,561/mo
Today · 4.125%
HK$52,493
baseline
▲ 0.50% · 4.625%
HK$55,687
+HK$3,194/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,986/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,952
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,426
−HK$1,495/mo
Today · 4.125%
HK$57,921
baseline
▲ 0.50% · 4.625%
HK$60,974
+HK$3,053/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,842/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,299 · Scale 2, in force from 26 Feb 2026)