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$27,305
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,154
−HK$863/mo
Today · 4.125%
HK$29,017
baseline
▲ 0.50% · 4.625%
HK$30,783
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,034/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,376
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,191
−HK$826/mo
Today · 4.125%
HK$32,017
baseline
▲ 0.50% · 4.625%
HK$33,705
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,034/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,766
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,785
−HK$1,035/mo
Today · 4.125%
HK$34,820
baseline
▲ 0.50% · 4.625%
HK$36,939
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,640/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,451
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,429
−HK$992/mo
Today · 4.125%
HK$38,421
baseline
▲ 0.50% · 4.625%
HK$40,446
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,842/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,227
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,416
−HK$1,208/mo
Today · 4.125%
HK$40,624
baseline
▲ 0.50% · 4.625%
HK$43,096
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,248/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,527
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,667
−HK$1,157/mo
Today · 4.125%
HK$44,824
baseline
▲ 0.50% · 4.625%
HK$47,187
+HK$2,363/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,648/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,149
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,677
−HK$1,554/mo
Today · 4.125%
HK$52,231
baseline
▲ 0.50% · 4.625%
HK$55,409
+HK$3,178/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,462/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,677
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,144
−HK$1,487/mo
Today · 4.125%
HK$57,631
baseline
▲ 0.50% · 4.625%
HK$60,669
+HK$3,038/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,262/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,041 · Scale 2, in force from 26 Feb 2026)