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$27,330
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,180
−HK$864/mo
Today · 4.125%
HK$29,044
baseline
▲ 0.50% · 4.625%
HK$30,811
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,088/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,404
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,220
−HK$827/mo
Today · 4.125%
HK$32,047
baseline
▲ 0.50% · 4.625%
HK$33,736
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,094/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,796
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,816
−HK$1,036/mo
Today · 4.125%
HK$34,852
baseline
▲ 0.50% · 4.625%
HK$36,973
+HK$2,121/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,704/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,485
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,464
−HK$992/mo
Today · 4.125%
HK$38,456
baseline
▲ 0.50% · 4.625%
HK$40,483
+HK$2,027/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,912/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,262
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,452
−HK$1,209/mo
Today · 4.125%
HK$40,661
baseline
▲ 0.50% · 4.625%
HK$43,135
+HK$2,474/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,322/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,566
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,707
−HK$1,159/mo
Today · 4.125%
HK$44,866
baseline
▲ 0.50% · 4.625%
HK$47,231
+HK$2,365/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,732/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,194
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,724
−HK$1,555/mo
Today · 4.125%
HK$52,279
baseline
▲ 0.50% · 4.625%
HK$55,460
+HK$3,181/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,558/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,728
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,195
−HK$1,489/mo
Today · 4.125%
HK$57,684
baseline
▲ 0.50% · 4.625%
HK$60,725
+HK$3,041/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,368/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,454 · Scale 2, in force from 26 Feb 2026)