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$27,449
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,302
−HK$868/mo
Today · 4.125%
HK$29,170
baseline
▲ 0.50% · 4.625%
HK$30,945
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,340/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,536
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,355
−HK$831/mo
Today · 4.125%
HK$32,186
baseline
▲ 0.50% · 4.625%
HK$33,883
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,372/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,938
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,963
−HK$1,041/mo
Today · 4.125%
HK$35,004
baseline
▲ 0.50% · 4.625%
HK$37,134
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,008/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,644
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,626
−HK$997/mo
Today · 4.125%
HK$38,623
baseline
▲ 0.50% · 4.625%
HK$40,659
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,246/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,428
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,623
−HK$1,215/mo
Today · 4.125%
HK$40,838
baseline
▲ 0.50% · 4.625%
HK$43,323
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,676/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,751
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,898
−HK$1,163/mo
Today · 4.125%
HK$45,061
baseline
▲ 0.50% · 4.625%
HK$47,436
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,122/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,408
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,944
−HK$1,562/mo
Today · 4.125%
HK$52,506
baseline
▲ 0.50% · 4.625%
HK$55,701
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$105,012/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,966
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,440
−HK$1,495/mo
Today · 4.125%
HK$57,935
baseline
▲ 0.50% · 4.625%
HK$60,989
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,870/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,408 · Scale 2, in force from 26 Feb 2026)