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$27,335
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,185
−HK$864/mo
Today · 4.125%
HK$29,049
baseline
▲ 0.50% · 4.625%
HK$30,817
+HK$1,768/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,098/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,410
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,226
−HK$827/mo
Today · 4.125%
HK$32,053
baseline
▲ 0.50% · 4.625%
HK$33,743
+HK$1,690/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,106/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,802
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,823
−HK$1,036/mo
Today · 4.125%
HK$34,859
baseline
▲ 0.50% · 4.625%
HK$36,980
+HK$2,121/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$69,718/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,492
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,471
−HK$993/mo
Today · 4.125%
HK$38,464
baseline
▲ 0.50% · 4.625%
HK$40,491
+HK$2,027/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$76,928/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,269
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,460
−HK$1,209/mo
Today · 4.125%
HK$40,669
baseline
▲ 0.50% · 4.625%
HK$43,144
+HK$2,475/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,338/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,574
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,716
−HK$1,158/mo
Today · 4.125%
HK$44,874
baseline
▲ 0.50% · 4.625%
HK$47,240
+HK$2,366/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,748/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,203
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,734
−HK$1,555/mo
Today · 4.125%
HK$52,289
baseline
▲ 0.50% · 4.625%
HK$55,470
+HK$3,181/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,578/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,738
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,206
−HK$1,490/mo
Today · 4.125%
HK$57,696
baseline
▲ 0.50% · 4.625%
HK$60,737
+HK$3,041/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,392/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,542 · Scale 2, in force from 26 Feb 2026)