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$27,466
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$868/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,555
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,375
−HK$831/mo
Today · 4.125%
HK$32,206
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,698/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,412/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,959
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,984
−HK$1,042/mo
Today · 4.125%
HK$35,026
baseline
▲ 0.50% · 4.625%
HK$37,157
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,052/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,666
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,650
−HK$997/mo
Today · 4.125%
HK$38,647
baseline
▲ 0.50% · 4.625%
HK$40,684
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,294/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,452
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,648
−HK$1,215/mo
Today · 4.125%
HK$40,863
baseline
▲ 0.50% · 4.625%
HK$43,350
+HK$2,487/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,726/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,777
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,925
−HK$1,164/mo
Today · 4.125%
HK$45,089
baseline
▲ 0.50% · 4.625%
HK$47,465
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,178/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,438
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,976
−HK$1,562/mo
Today · 4.125%
HK$52,538
baseline
▲ 0.50% · 4.625%
HK$55,735
+HK$3,197/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,076/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,000
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,475
−HK$1,496/mo
Today · 4.125%
HK$57,971
baseline
▲ 0.50% · 4.625%
HK$61,027
+HK$3,056/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,942/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,688 · Scale 2, in force from 26 Feb 2026)