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$27,337
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,187
−HK$864/mo
Today · 4.125%
HK$29,051
baseline
▲ 0.50% · 4.625%
HK$30,819
+HK$1,768/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,102/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,412
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,227
−HK$828/mo
Today · 4.125%
HK$32,055
baseline
▲ 0.50% · 4.625%
HK$33,744
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,110/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,804
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,824
−HK$1,037/mo
Today · 4.125%
HK$34,861
baseline
▲ 0.50% · 4.625%
HK$36,982
+HK$2,121/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$69,722/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,494
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,473
−HK$993/mo
Today · 4.125%
HK$38,466
baseline
▲ 0.50% · 4.625%
HK$40,493
+HK$2,027/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$76,932/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,271
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,462
−HK$1,209/mo
Today · 4.125%
HK$40,671
baseline
▲ 0.50% · 4.625%
HK$43,146
+HK$2,475/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,342/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,577
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,718
−HK$1,159/mo
Today · 4.125%
HK$44,877
baseline
▲ 0.50% · 4.625%
HK$47,242
+HK$2,365/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,754/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,206
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,737
−HK$1,555/mo
Today · 4.125%
HK$52,292
baseline
▲ 0.50% · 4.625%
HK$55,474
+HK$3,182/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,584/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,741
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,209
−HK$1,490/mo
Today · 4.125%
HK$57,699
baseline
▲ 0.50% · 4.625%
HK$60,740
+HK$3,041/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,398/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,566 · Scale 2, in force from 26 Feb 2026)