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$27,301
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,151
−HK$862/mo
Today · 4.125%
HK$29,013
baseline
▲ 0.50% · 4.625%
HK$30,779
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,026/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$448,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,373
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,187
−HK$827/mo
Today · 4.125%
HK$32,014
baseline
▲ 0.50% · 4.625%
HK$33,701
+HK$1,687/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,028/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$448,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,762
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,781
−HK$1,035/mo
Today · 4.125%
HK$34,816
baseline
▲ 0.50% · 4.625%
HK$36,935
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,632/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,447
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,425
−HK$991/mo
Today · 4.125%
HK$38,416
baseline
▲ 0.50% · 4.625%
HK$40,441
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,832/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,222
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,411
−HK$1,208/mo
Today · 4.125%
HK$40,619
baseline
▲ 0.50% · 4.625%
HK$43,090
+HK$2,471/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,238/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,522
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,662
−HK$1,157/mo
Today · 4.125%
HK$44,819
baseline
▲ 0.50% · 4.625%
HK$47,181
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,638/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,143
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,671
−HK$1,553/mo
Today · 4.125%
HK$52,224
baseline
▲ 0.50% · 4.625%
HK$55,402
+HK$3,178/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,448/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,671
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,137
−HK$1,487/mo
Today · 4.125%
HK$57,624
baseline
▲ 0.50% · 4.625%
HK$60,662
+HK$3,038/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,248/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,987 · Scale 2, in force from 26 Feb 2026)