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$27,329
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,179
−HK$864/mo
Today · 4.125%
HK$29,043
baseline
▲ 0.50% · 4.625%
HK$30,810
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,086/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,403
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,219
−HK$827/mo
Today · 4.125%
HK$32,046
baseline
▲ 0.50% · 4.625%
HK$33,735
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,092/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,795
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,815
−HK$1,036/mo
Today · 4.125%
HK$34,851
baseline
▲ 0.50% · 4.625%
HK$36,972
+HK$2,121/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,702/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,484
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,462
−HK$993/mo
Today · 4.125%
HK$38,455
baseline
▲ 0.50% · 4.625%
HK$40,482
+HK$2,027/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,910/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,261
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,451
−HK$1,209/mo
Today · 4.125%
HK$40,660
baseline
▲ 0.50% · 4.625%
HK$43,134
+HK$2,474/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,320/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,564
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,706
−HK$1,158/mo
Today · 4.125%
HK$44,864
baseline
▲ 0.50% · 4.625%
HK$47,229
+HK$2,365/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,728/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,192
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,722
−HK$1,555/mo
Today · 4.125%
HK$52,277
baseline
▲ 0.50% · 4.625%
HK$55,458
+HK$3,181/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,554/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,726
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,193
−HK$1,489/mo
Today · 4.125%
HK$57,682
baseline
▲ 0.50% · 4.625%
HK$60,723
+HK$3,041/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,364/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,439 · Scale 2, in force from 26 Feb 2026)