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$27,415
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,268
−HK$866/mo
Today · 4.125%
HK$29,134
baseline
▲ 0.50% · 4.625%
HK$30,907
+HK$1,773/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,268/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,499
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,317
−HK$830/mo
Today · 4.125%
HK$32,147
baseline
▲ 0.50% · 4.625%
HK$33,841
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,294/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,898
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,921
−HK$1,040/mo
Today · 4.125%
HK$34,961
baseline
▲ 0.50% · 4.625%
HK$37,088
+HK$2,127/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,922/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,599
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,580
−HK$996/mo
Today · 4.125%
HK$38,576
baseline
▲ 0.50% · 4.625%
HK$40,609
+HK$2,033/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,152/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,381
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,575
−HK$1,213/mo
Today · 4.125%
HK$40,788
baseline
▲ 0.50% · 4.625%
HK$43,270
+HK$2,482/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,576/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,699
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,844
−HK$1,161/mo
Today · 4.125%
HK$45,005
baseline
▲ 0.50% · 4.625%
HK$47,378
+HK$2,373/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,010/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,347
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,882
−HK$1,560/mo
Today · 4.125%
HK$52,442
baseline
▲ 0.50% · 4.625%
HK$55,633
+HK$3,191/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,884/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,898
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,370
−HK$1,494/mo
Today · 4.125%
HK$57,864
baseline
▲ 0.50% · 4.625%
HK$60,914
+HK$3,050/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,728/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,855 · Scale 2, in force from 26 Feb 2026)