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$27,338
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,189
−HK$864/mo
Today · 4.125%
HK$29,053
baseline
▲ 0.50% · 4.625%
HK$30,821
+HK$1,768/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,106/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,414
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,229
−HK$828/mo
Today · 4.125%
HK$32,057
baseline
▲ 0.50% · 4.625%
HK$33,747
+HK$1,690/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,114/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,806
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,827
−HK$1,036/mo
Today · 4.125%
HK$34,863
baseline
▲ 0.50% · 4.625%
HK$36,985
+HK$2,122/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$69,726/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,497
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,475
−HK$993/mo
Today · 4.125%
HK$38,468
baseline
▲ 0.50% · 4.625%
HK$40,496
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$76,936/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,274
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,464
−HK$1,210/mo
Today · 4.125%
HK$40,674
baseline
▲ 0.50% · 4.625%
HK$43,149
+HK$2,475/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,348/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,579
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,721
−HK$1,159/mo
Today · 4.125%
HK$44,880
baseline
▲ 0.50% · 4.625%
HK$47,245
+HK$2,365/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,760/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,209
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,740
−HK$1,555/mo
Today · 4.125%
HK$52,295
baseline
▲ 0.50% · 4.625%
HK$55,477
+HK$3,182/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,590/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,745
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,213
−HK$1,490/mo
Today · 4.125%
HK$57,703
baseline
▲ 0.50% · 4.625%
HK$60,744
+HK$3,041/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,406/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,596 · Scale 2, in force from 26 Feb 2026)