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$27,310
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,159
−HK$863/mo
Today · 4.125%
HK$29,022
baseline
▲ 0.50% · 4.625%
HK$30,788
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,044/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,382
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,197
−HK$826/mo
Today · 4.125%
HK$32,023
baseline
▲ 0.50% · 4.625%
HK$33,711
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,046/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,772
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,791
−HK$1,036/mo
Today · 4.125%
HK$34,827
baseline
▲ 0.50% · 4.625%
HK$36,946
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,654/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,458
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,436
−HK$992/mo
Today · 4.125%
HK$38,428
baseline
▲ 0.50% · 4.625%
HK$40,453
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,856/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,233
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,423
−HK$1,208/mo
Today · 4.125%
HK$40,631
baseline
▲ 0.50% · 4.625%
HK$43,103
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,262/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,534
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,675
−HK$1,157/mo
Today · 4.125%
HK$44,832
baseline
▲ 0.50% · 4.625%
HK$47,196
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,664/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,157
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,686
−HK$1,554/mo
Today · 4.125%
HK$52,240
baseline
▲ 0.50% · 4.625%
HK$55,419
+HK$3,179/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,480/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,687
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,154
−HK$1,488/mo
Today · 4.125%
HK$57,642
baseline
▲ 0.50% · 4.625%
HK$60,680
+HK$3,038/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,284/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,122 · Scale 2, in force from 26 Feb 2026)