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$27,394
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,246
−HK$866/mo
Today · 4.125%
HK$29,112
baseline
▲ 0.50% · 4.625%
HK$30,883
+HK$1,771/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,224/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,475
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,293
−HK$829/mo
Today · 4.125%
HK$32,122
baseline
▲ 0.50% · 4.625%
HK$33,815
+HK$1,693/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,244/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,873
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,895
−HK$1,039/mo
Today · 4.125%
HK$34,934
baseline
▲ 0.50% · 4.625%
HK$37,060
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,868/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,571
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,551
−HK$995/mo
Today · 4.125%
HK$38,546
baseline
▲ 0.50% · 4.625%
HK$40,578
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,092/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,351
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,544
−HK$1,212/mo
Today · 4.125%
HK$40,756
baseline
▲ 0.50% · 4.625%
HK$43,236
+HK$2,480/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,512/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,666
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,810
−HK$1,161/mo
Today · 4.125%
HK$44,971
baseline
▲ 0.50% · 4.625%
HK$47,341
+HK$2,370/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,942/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,309
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,843
−HK$1,558/mo
Today · 4.125%
HK$52,401
baseline
▲ 0.50% · 4.625%
HK$55,590
+HK$3,189/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,802/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,856
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,327
−HK$1,492/mo
Today · 4.125%
HK$57,819
baseline
▲ 0.50% · 4.625%
HK$60,867
+HK$3,048/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,638/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,507 · Scale 2, in force from 26 Feb 2026)