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$27,290
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,139
−HK$863/mo
Today · 4.125%
HK$29,002
baseline
▲ 0.50% · 4.625%
HK$30,766
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$58,004/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,360
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,174
−HK$826/mo
Today · 4.125%
HK$32,000
baseline
▲ 0.50% · 4.625%
HK$33,687
+HK$1,687/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$64,000/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,748
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,767
−HK$1,035/mo
Today · 4.125%
HK$34,802
baseline
▲ 0.50% · 4.625%
HK$36,919
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,604/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,432
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,409
−HK$991/mo
Today · 4.125%
HK$38,400
baseline
▲ 0.50% · 4.625%
HK$40,425
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,800/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,206
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,395
−HK$1,207/mo
Today · 4.125%
HK$40,602
baseline
▲ 0.50% · 4.625%
HK$43,073
+HK$2,471/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,204/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,504
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,644
−HK$1,156/mo
Today · 4.125%
HK$44,800
baseline
▲ 0.50% · 4.625%
HK$47,162
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,600/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,122
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,650
−HK$1,553/mo
Today · 4.125%
HK$52,203
baseline
▲ 0.50% · 4.625%
HK$55,379
+HK$3,176/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,406/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,648
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,114
−HK$1,487/mo
Today · 4.125%
HK$57,601
baseline
▲ 0.50% · 4.625%
HK$60,637
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,202/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,802 · Scale 2, in force from 26 Feb 2026)