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$27,418
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,271
−HK$866/mo
Today · 4.125%
HK$29,137
baseline
▲ 0.50% · 4.625%
HK$30,910
+HK$1,773/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,274/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,502
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,320
−HK$830/mo
Today · 4.125%
HK$32,150
baseline
▲ 0.50% · 4.625%
HK$33,845
+HK$1,695/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,300/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,902
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,925
−HK$1,040/mo
Today · 4.125%
HK$34,965
baseline
▲ 0.50% · 4.625%
HK$37,092
+HK$2,127/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,930/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,603
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,584
−HK$996/mo
Today · 4.125%
HK$38,580
baseline
▲ 0.50% · 4.625%
HK$40,614
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,160/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,385
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,579
−HK$1,213/mo
Today · 4.125%
HK$40,792
baseline
▲ 0.50% · 4.625%
HK$43,274
+HK$2,482/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,584/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,703
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,848
−HK$1,162/mo
Today · 4.125%
HK$45,010
baseline
▲ 0.50% · 4.625%
HK$47,383
+HK$2,373/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,020/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,352
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,887
−HK$1,560/mo
Today · 4.125%
HK$52,447
baseline
▲ 0.50% · 4.625%
HK$55,638
+HK$3,191/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,894/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,904
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,376
−HK$1,494/mo
Today · 4.125%
HK$57,870
baseline
▲ 0.50% · 4.625%
HK$60,921
+HK$3,051/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,740/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,903 · Scale 2, in force from 26 Feb 2026)