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$1,711/mo
▼ 0.25% · 3.875%
HK$28,149
−HK$862/mo
Today · 4.125%
HK$29,011
baseline
▲ 0.50% · 4.625%
HK$30,777
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,022/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$448,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,370
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,185
−HK$826/mo
Today · 4.125%
HK$32,011
baseline
▲ 0.50% · 4.625%
HK$33,699
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,022/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$448,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,759
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,778
−HK$1,036/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$448,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,445
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,422
−HK$991/mo
Today · 4.125%
HK$38,413
baseline
▲ 0.50% · 4.625%
HK$40,438
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,826/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,219
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,408
−HK$1,208/mo
Today · 4.125%
HK$40,616
baseline
▲ 0.50% · 4.625%
HK$43,087
+HK$2,471/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$448,955 · 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$47,178
+HK$2,362/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$448,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,139
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,668
−HK$1,553/mo
Today · 4.125%
HK$52,221
baseline
▲ 0.50% · 4.625%
HK$55,398
+HK$3,177/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,442/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,667
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,133
−HK$1,487/mo
Today · 4.125%
HK$57,620
baseline
▲ 0.50% · 4.625%
HK$60,657
+HK$3,037/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,240/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,955 · Scale 2, in force from 26 Feb 2026)