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$27,307
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,156
−HK$863/mo
Today · 4.125%
HK$29,019
baseline
▲ 0.50% · 4.625%
HK$30,785
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,038/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,378
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,193
−HK$827/mo
Today · 4.125%
HK$32,020
baseline
▲ 0.50% · 4.625%
HK$33,707
+HK$1,687/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,040/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,768
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,787
−HK$1,036/mo
Today · 4.125%
HK$34,823
baseline
▲ 0.50% · 4.625%
HK$36,942
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,646/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,454
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,432
−HK$992/mo
Today · 4.125%
HK$38,424
baseline
▲ 0.50% · 4.625%
HK$40,449
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,848/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,229
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,418
−HK$1,209/mo
Today · 4.125%
HK$40,627
baseline
▲ 0.50% · 4.625%
HK$43,099
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,254/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,530
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,670
−HK$1,157/mo
Today · 4.125%
HK$44,827
baseline
▲ 0.50% · 4.625%
HK$47,190
+HK$2,363/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,654/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,152
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,681
−HK$1,553/mo
Today · 4.125%
HK$52,234
baseline
▲ 0.50% · 4.625%
HK$55,413
+HK$3,179/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,468/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,681
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,148
−HK$1,487/mo
Today · 4.125%
HK$57,635
baseline
▲ 0.50% · 4.625%
HK$60,673
+HK$3,038/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,270/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,072 · Scale 2, in force from 26 Feb 2026)