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$28,150
−HK$862/mo
Today · 4.125%
HK$29,012
baseline
▲ 0.50% · 4.625%
HK$30,778
+HK$1,766/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$448,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,371
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,186
−HK$826/mo
Today · 4.125%
HK$32,012
baseline
▲ 0.50% · 4.625%
HK$33,700
+HK$1,688/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$448,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,760
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,779
−HK$1,036/mo
Today · 4.125%
HK$34,815
baseline
▲ 0.50% · 4.625%
HK$36,933
+HK$2,118/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,630/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,446
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,423
−HK$992/mo
Today · 4.125%
HK$38,415
baseline
▲ 0.50% · 4.625%
HK$40,440
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,830/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,220
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,409
−HK$1,208/mo
Today · 4.125%
HK$40,617
baseline
▲ 0.50% · 4.625%
HK$43,089
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,234/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,520
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,660
−HK$1,157/mo
Today · 4.125%
HK$44,817
baseline
▲ 0.50% · 4.625%
HK$47,179
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,634/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,141
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,669
−HK$1,553/mo
Today · 4.125%
HK$52,222
baseline
▲ 0.50% · 4.625%
HK$55,400
+HK$3,178/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,444/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,668
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,135
−HK$1,487/mo
Today · 4.125%
HK$57,622
baseline
▲ 0.50% · 4.625%
HK$60,659
+HK$3,037/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,244/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,969 · Scale 2, in force from 26 Feb 2026)