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$27,308
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,157
−HK$863/mo
Today · 4.125%
HK$29,020
baseline
▲ 0.50% · 4.625%
HK$30,786
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,040/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,380
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,194
−HK$827/mo
Today · 4.125%
HK$32,021
baseline
▲ 0.50% · 4.625%
HK$33,709
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,042/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,769
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,789
−HK$1,035/mo
Today · 4.125%
HK$34,824
baseline
▲ 0.50% · 4.625%
HK$36,943
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,648/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,455
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,433
−HK$992/mo
Today · 4.125%
HK$38,425
baseline
▲ 0.50% · 4.625%
HK$40,450
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,850/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,231
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,420
−HK$1,208/mo
Today · 4.125%
HK$40,628
baseline
▲ 0.50% · 4.625%
HK$43,100
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,256/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,531
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,672
−HK$1,157/mo
Today · 4.125%
HK$44,829
baseline
▲ 0.50% · 4.625%
HK$47,192
+HK$2,363/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,658/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,154
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,683
−HK$1,553/mo
Today · 4.125%
HK$52,236
baseline
▲ 0.50% · 4.625%
HK$55,415
+HK$3,179/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,472/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,683
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,150
−HK$1,488/mo
Today · 4.125%
HK$57,638
baseline
▲ 0.50% · 4.625%
HK$60,676
+HK$3,038/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,276/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,090 · Scale 2, in force from 26 Feb 2026)