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$27,322
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,171
−HK$864/mo
Today · 4.125%
HK$29,035
baseline
▲ 0.50% · 4.625%
HK$30,802
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,070/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,395
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,210
−HK$827/mo
Today · 4.125%
HK$32,037
baseline
▲ 0.50% · 4.625%
HK$33,726
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,074/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,786
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,806
−HK$1,036/mo
Today · 4.125%
HK$34,842
baseline
▲ 0.50% · 4.625%
HK$36,962
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,684/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,474
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,452
−HK$993/mo
Today · 4.125%
HK$38,445
baseline
▲ 0.50% · 4.625%
HK$40,471
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,890/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,250
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,440
−HK$1,209/mo
Today · 4.125%
HK$40,649
baseline
▲ 0.50% · 4.625%
HK$43,122
+HK$2,473/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,298/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,553
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,694
−HK$1,158/mo
Today · 4.125%
HK$44,852
baseline
▲ 0.50% · 4.625%
HK$47,216
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,704/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,179
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,709
−HK$1,554/mo
Today · 4.125%
HK$52,263
baseline
▲ 0.50% · 4.625%
HK$55,443
+HK$3,180/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,526/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,711
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,178
−HK$1,489/mo
Today · 4.125%
HK$57,667
baseline
▲ 0.50% · 4.625%
HK$60,707
+HK$3,040/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,334/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,318 · Scale 2, in force from 26 Feb 2026)