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$27,327
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,177
−HK$863/mo
Today · 4.125%
HK$29,040
baseline
▲ 0.50% · 4.625%
HK$30,807
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,080/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,401
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,216
−HK$827/mo
Today · 4.125%
HK$32,043
baseline
▲ 0.50% · 4.625%
HK$33,732
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,086/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,792
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,812
−HK$1,036/mo
Today · 4.125%
HK$34,848
baseline
▲ 0.50% · 4.625%
HK$36,969
+HK$2,121/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,696/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,481
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,459
−HK$993/mo
Today · 4.125%
HK$38,452
baseline
▲ 0.50% · 4.625%
HK$40,479
+HK$2,027/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,904/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,257
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,447
−HK$1,209/mo
Today · 4.125%
HK$40,656
baseline
▲ 0.50% · 4.625%
HK$43,130
+HK$2,474/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,312/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,561
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,702
−HK$1,158/mo
Today · 4.125%
HK$44,860
baseline
▲ 0.50% · 4.625%
HK$47,225
+HK$2,365/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,720/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,188
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,718
−HK$1,555/mo
Today · 4.125%
HK$52,273
baseline
▲ 0.50% · 4.625%
HK$55,453
+HK$3,180/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,546/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,721
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,189
−HK$1,489/mo
Today · 4.125%
HK$57,678
baseline
▲ 0.50% · 4.625%
HK$60,718
+HK$3,040/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,356/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,402 · Scale 2, in force from 26 Feb 2026)