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$27,325
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,175
−HK$864/mo
Today · 4.125%
HK$29,039
baseline
▲ 0.50% · 4.625%
HK$30,805
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,078/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,399
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,214
−HK$827/mo
Today · 4.125%
HK$32,041
baseline
▲ 0.50% · 4.625%
HK$33,730
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,082/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,790
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,810
−HK$1,036/mo
Today · 4.125%
HK$34,846
baseline
▲ 0.50% · 4.625%
HK$36,967
+HK$2,121/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,692/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,479
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,457
−HK$992/mo
Today · 4.125%
HK$38,449
baseline
▲ 0.50% · 4.625%
HK$40,476
+HK$2,027/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,898/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,255
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,445
−HK$1,209/mo
Today · 4.125%
HK$40,654
baseline
▲ 0.50% · 4.625%
HK$43,128
+HK$2,474/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,308/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,558
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,700
−HK$1,158/mo
Today · 4.125%
HK$44,858
baseline
▲ 0.50% · 4.625%
HK$47,222
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,716/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,185
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,715
−HK$1,554/mo
Today · 4.125%
HK$52,269
baseline
▲ 0.50% · 4.625%
HK$55,450
+HK$3,181/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,538/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,718
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,185
−HK$1,489/mo
Today · 4.125%
HK$57,674
baseline
▲ 0.50% · 4.625%
HK$60,714
+HK$3,040/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,348/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,375 · Scale 2, in force from 26 Feb 2026)