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$27,312
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,161
−HK$864/mo
Today · 4.125%
HK$29,025
baseline
▲ 0.50% · 4.625%
HK$30,791
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,050/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,384
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,199
−HK$827/mo
Today · 4.125%
HK$32,026
baseline
▲ 0.50% · 4.625%
HK$33,714
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,052/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,774
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,794
−HK$1,036/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,949
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,461
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,439
−HK$992/mo
Today · 4.125%
HK$38,431
baseline
▲ 0.50% · 4.625%
HK$40,457
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,862/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,237
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,426
−HK$1,208/mo
Today · 4.125%
HK$40,634
baseline
▲ 0.50% · 4.625%
HK$43,107
+HK$2,473/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,268/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,538
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,679
−HK$1,157/mo
Today · 4.125%
HK$44,836
baseline
▲ 0.50% · 4.625%
HK$47,200
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,672/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,161
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,691
−HK$1,553/mo
Today · 4.125%
HK$52,244
baseline
▲ 0.50% · 4.625%
HK$55,423
+HK$3,179/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,488/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,692
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,158
−HK$1,488/mo
Today · 4.125%
HK$57,646
baseline
▲ 0.50% · 4.625%
HK$60,685
+HK$3,039/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,292/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,160 · Scale 2, in force from 26 Feb 2026)