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$27,318
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,168
−HK$863/mo
Today · 4.125%
HK$29,031
baseline
▲ 0.50% · 4.625%
HK$30,797
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,062/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,391
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,206
−HK$827/mo
Today · 4.125%
HK$32,033
baseline
▲ 0.50% · 4.625%
HK$33,721
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,066/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,781
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,801
−HK$1,036/mo
Today · 4.125%
HK$34,837
baseline
▲ 0.50% · 4.625%
HK$36,957
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,674/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,469
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,447
−HK$992/mo
Today · 4.125%
HK$38,439
baseline
▲ 0.50% · 4.625%
HK$40,465
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,878/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,245
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,435
−HK$1,208/mo
Today · 4.125%
HK$40,643
baseline
▲ 0.50% · 4.625%
HK$43,116
+HK$2,473/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,286/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,547
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,688
−HK$1,158/mo
Today · 4.125%
HK$44,846
baseline
▲ 0.50% · 4.625%
HK$47,210
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,692/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,172
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,702
−HK$1,554/mo
Today · 4.125%
HK$52,256
baseline
▲ 0.50% · 4.625%
HK$55,435
+HK$3,179/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,512/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,703
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,170
−HK$1,489/mo
Today · 4.125%
HK$57,659
baseline
▲ 0.50% · 4.625%
HK$60,698
+HK$3,039/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,318/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,256 · Scale 2, in force from 26 Feb 2026)