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$27,339
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,189
−HK$864/mo
Today · 4.125%
HK$29,053
baseline
▲ 0.50% · 4.625%
HK$30,821
+HK$1,768/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,106/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,414
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,230
−HK$828/mo
Today · 4.125%
HK$32,058
baseline
▲ 0.50% · 4.625%
HK$33,747
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,116/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,807
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,827
−HK$1,037/mo
Today · 4.125%
HK$34,864
baseline
▲ 0.50% · 4.625%
HK$36,985
+HK$2,121/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$69,728/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,497
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,476
−HK$993/mo
Today · 4.125%
HK$38,469
baseline
▲ 0.50% · 4.625%
HK$40,497
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$76,938/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,275
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,465
−HK$1,210/mo
Today · 4.125%
HK$40,675
baseline
▲ 0.50% · 4.625%
HK$43,150
+HK$2,475/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,350/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,580
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,722
−HK$1,159/mo
Today · 4.125%
HK$44,881
baseline
▲ 0.50% · 4.625%
HK$47,246
+HK$2,365/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,762/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,210
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,741
−HK$1,555/mo
Today · 4.125%
HK$52,296
baseline
▲ 0.50% · 4.625%
HK$55,478
+HK$3,182/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,592/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,746
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,214
−HK$1,490/mo
Today · 4.125%
HK$57,704
baseline
▲ 0.50% · 4.625%
HK$60,745
+HK$3,041/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,408/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,604 · Scale 2, in force from 26 Feb 2026)