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$27,441
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,295
−HK$867/mo
Today · 4.125%
HK$29,162
baseline
▲ 0.50% · 4.625%
HK$30,937
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,324/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,528
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,347
−HK$830/mo
Today · 4.125%
HK$32,177
baseline
▲ 0.50% · 4.625%
HK$33,874
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,354/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,930
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,954
−HK$1,040/mo
Today · 4.125%
HK$34,994
baseline
▲ 0.50% · 4.625%
HK$37,124
+HK$2,130/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,988/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,634
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,616
−HK$997/mo
Today · 4.125%
HK$38,613
baseline
▲ 0.50% · 4.625%
HK$40,648
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,226/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,418
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,613
−HK$1,214/mo
Today · 4.125%
HK$40,827
baseline
▲ 0.50% · 4.625%
HK$43,311
+HK$2,484/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,654/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,739
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,886
−HK$1,162/mo
Today · 4.125%
HK$45,048
baseline
▲ 0.50% · 4.625%
HK$47,423
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,096/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,394
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,931
−HK$1,561/mo
Today · 4.125%
HK$52,492
baseline
▲ 0.50% · 4.625%
HK$55,686
+HK$3,194/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,984/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,951
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,424
−HK$1,495/mo
Today · 4.125%
HK$57,919
baseline
▲ 0.50% · 4.625%
HK$60,972
+HK$3,053/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,838/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,286 · Scale 2, in force from 26 Feb 2026)