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$27,400
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,252
−HK$866/mo
Today · 4.125%
HK$29,118
baseline
▲ 0.50% · 4.625%
HK$30,890
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,236/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,482
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,300
−HK$829/mo
Today · 4.125%
HK$32,129
baseline
▲ 0.50% · 4.625%
HK$33,822
+HK$1,693/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,258/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,880
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,903
−HK$1,039/mo
Today · 4.125%
HK$34,942
baseline
▲ 0.50% · 4.625%
HK$37,068
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,884/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,578
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,560
−HK$995/mo
Today · 4.125%
HK$38,555
baseline
▲ 0.50% · 4.625%
HK$40,587
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,110/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,360
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,553
−HK$1,212/mo
Today · 4.125%
HK$40,765
baseline
▲ 0.50% · 4.625%
HK$43,246
+HK$2,481/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,530/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,675
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,819
−HK$1,161/mo
Today · 4.125%
HK$44,980
baseline
▲ 0.50% · 4.625%
HK$47,351
+HK$2,371/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,960/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,320
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,854
−HK$1,559/mo
Today · 4.125%
HK$52,413
baseline
▲ 0.50% · 4.625%
HK$55,602
+HK$3,189/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,826/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,868
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,339
−HK$1,493/mo
Today · 4.125%
HK$57,832
baseline
▲ 0.50% · 4.625%
HK$60,880
+HK$3,048/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,664/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,605 · Scale 2, in force from 26 Feb 2026)