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$27,318
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,168
−HK$863/mo
Today · 4.125%
HK$29,031
baseline
▲ 0.50% · 4.625%
HK$30,798
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,062/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,391
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,206
−HK$827/mo
Today · 4.125%
HK$32,033
baseline
▲ 0.50% · 4.625%
HK$33,722
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,066/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,782
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,802
−HK$1,036/mo
Today · 4.125%
HK$34,838
baseline
▲ 0.50% · 4.625%
HK$36,957
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,676/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,470
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,448
−HK$992/mo
Today · 4.125%
HK$38,440
baseline
▲ 0.50% · 4.625%
HK$40,466
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,880/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,246
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,435
−HK$1,209/mo
Today · 4.125%
HK$40,644
baseline
▲ 0.50% · 4.625%
HK$43,117
+HK$2,473/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,288/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,548
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,689
−HK$1,158/mo
Today · 4.125%
HK$44,847
baseline
▲ 0.50% · 4.625%
HK$47,210
+HK$2,363/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,694/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,173
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,702
−HK$1,554/mo
Today · 4.125%
HK$52,256
baseline
▲ 0.50% · 4.625%
HK$55,436
+HK$3,180/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,512/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,704
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,172
−HK$1,488/mo
Today · 4.125%
HK$57,660
baseline
▲ 0.50% · 4.625%
HK$60,699
+HK$3,039/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,320/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,264 · Scale 2, in force from 26 Feb 2026)