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$27,332
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,182
−HK$864/mo
Today · 4.125%
HK$29,046
baseline
▲ 0.50% · 4.625%
HK$30,813
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,092/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,406
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,222
−HK$827/mo
Today · 4.125%
HK$32,049
baseline
▲ 0.50% · 4.625%
HK$33,738
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,098/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,798
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,818
−HK$1,037/mo
Today · 4.125%
HK$34,855
baseline
▲ 0.50% · 4.625%
HK$36,976
+HK$2,121/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,710/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,487
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,466
−HK$993/mo
Today · 4.125%
HK$38,459
baseline
▲ 0.50% · 4.625%
HK$40,486
+HK$2,027/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,918/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,264
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,455
−HK$1,209/mo
Today · 4.125%
HK$40,664
baseline
▲ 0.50% · 4.625%
HK$43,138
+HK$2,474/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,328/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,569
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,710
−HK$1,159/mo
Today · 4.125%
HK$44,869
baseline
▲ 0.50% · 4.625%
HK$47,234
+HK$2,365/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,738/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,197
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,727
−HK$1,555/mo
Today · 4.125%
HK$52,282
baseline
▲ 0.50% · 4.625%
HK$55,463
+HK$3,181/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,564/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,731
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,199
−HK$1,489/mo
Today · 4.125%
HK$57,688
baseline
▲ 0.50% · 4.625%
HK$60,729
+HK$3,041/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,376/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,485 · Scale 2, in force from 26 Feb 2026)