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$27,300
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,149
−HK$863/mo
Today · 4.125%
HK$29,012
baseline
▲ 0.50% · 4.625%
HK$30,777
+HK$1,765/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,024/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$448,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,371
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,185
−HK$827/mo
Today · 4.125%
HK$32,012
baseline
▲ 0.50% · 4.625%
HK$33,699
+HK$1,687/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,024/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$448,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,760
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,779
−HK$1,035/mo
Today · 4.125%
HK$34,814
baseline
▲ 0.50% · 4.625%
HK$36,932
+HK$2,118/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,628/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,445
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,422
−HK$992/mo
Today · 4.125%
HK$38,414
baseline
▲ 0.50% · 4.625%
HK$40,439
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,828/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,220
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,409
−HK$1,207/mo
Today · 4.125%
HK$40,616
baseline
▲ 0.50% · 4.625%
HK$43,088
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,232/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,519
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,659
−HK$1,157/mo
Today · 4.125%
HK$44,816
baseline
▲ 0.50% · 4.625%
HK$47,179
+HK$2,363/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,632/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,140
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,668
−HK$1,553/mo
Today · 4.125%
HK$52,221
baseline
▲ 0.50% · 4.625%
HK$55,399
+HK$3,178/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,442/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,667
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,133
−HK$1,488/mo
Today · 4.125%
HK$57,621
baseline
▲ 0.50% · 4.625%
HK$60,658
+HK$3,037/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,242/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,960 · Scale 2, in force from 26 Feb 2026)