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$27,474
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,328
−HK$868/mo
Today · 4.125%
HK$29,196
baseline
▲ 0.50% · 4.625%
HK$30,973
+HK$1,777/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,392/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,564
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,384
−HK$831/mo
Today · 4.125%
HK$32,215
baseline
▲ 0.50% · 4.625%
HK$33,914
+HK$1,699/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,430/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,968
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,994
−HK$1,042/mo
Today · 4.125%
HK$35,036
baseline
▲ 0.50% · 4.625%
HK$37,168
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,072/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,677
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,661
−HK$997/mo
Today · 4.125%
HK$38,658
baseline
▲ 0.50% · 4.625%
HK$40,696
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,316/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,463
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,659
−HK$1,216/mo
Today · 4.125%
HK$40,875
baseline
▲ 0.50% · 4.625%
HK$43,362
+HK$2,487/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,750/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,790
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,937
−HK$1,165/mo
Today · 4.125%
HK$45,102
baseline
▲ 0.50% · 4.625%
HK$47,479
+HK$2,377/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,204/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,453
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,991
−HK$1,563/mo
Today · 4.125%
HK$52,554
baseline
▲ 0.50% · 4.625%
HK$55,751
+HK$3,197/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,108/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,015
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,491
−HK$1,497/mo
Today · 4.125%
HK$57,988
baseline
▲ 0.50% · 4.625%
HK$61,044
+HK$3,056/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,976/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,818 · Scale 2, in force from 26 Feb 2026)