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$27,324
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,174
−HK$863/mo
Today · 4.125%
HK$29,037
baseline
▲ 0.50% · 4.625%
HK$30,804
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,074/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,397
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,213
−HK$827/mo
Today · 4.125%
HK$32,040
baseline
▲ 0.50% · 4.625%
HK$33,728
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,080/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,788
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,808
−HK$1,037/mo
Today · 4.125%
HK$34,845
baseline
▲ 0.50% · 4.625%
HK$36,965
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,690/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,477
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,455
−HK$993/mo
Today · 4.125%
HK$38,448
baseline
▲ 0.50% · 4.625%
HK$40,474
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,896/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,253
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,443
−HK$1,209/mo
Today · 4.125%
HK$40,652
baseline
▲ 0.50% · 4.625%
HK$43,126
+HK$2,474/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,304/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,556
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,698
−HK$1,157/mo
Today · 4.125%
HK$44,855
baseline
▲ 0.50% · 4.625%
HK$47,220
+HK$2,365/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,710/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,183
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,712
−HK$1,555/mo
Today · 4.125%
HK$52,267
baseline
▲ 0.50% · 4.625%
HK$55,447
+HK$3,180/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,534/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,715
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,183
−HK$1,488/mo
Today · 4.125%
HK$57,671
baseline
▲ 0.50% · 4.625%
HK$60,711
+HK$3,040/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,342/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,353 · Scale 2, in force from 26 Feb 2026)