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$27,321
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,170
−HK$864/mo
Today · 4.125%
HK$29,034
baseline
▲ 0.50% · 4.625%
HK$30,800
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,068/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,394
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,209
−HK$827/mo
Today · 4.125%
HK$32,036
baseline
▲ 0.50% · 4.625%
HK$33,725
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,072/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,785
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,804
−HK$1,037/mo
Today · 4.125%
HK$34,841
baseline
▲ 0.50% · 4.625%
HK$36,961
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,682/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,473
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,451
−HK$992/mo
Today · 4.125%
HK$38,443
baseline
▲ 0.50% · 4.625%
HK$40,470
+HK$2,027/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,886/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,249
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,439
−HK$1,208/mo
Today · 4.125%
HK$40,647
baseline
▲ 0.50% · 4.625%
HK$43,121
+HK$2,474/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,294/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,551
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,693
−HK$1,157/mo
Today · 4.125%
HK$44,850
baseline
▲ 0.50% · 4.625%
HK$47,214
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,700/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,177
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,707
−HK$1,554/mo
Today · 4.125%
HK$52,261
baseline
▲ 0.50% · 4.625%
HK$55,441
+HK$3,180/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,522/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,709
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,176
−HK$1,489/mo
Today · 4.125%
HK$57,665
baseline
▲ 0.50% · 4.625%
HK$60,704
+HK$3,039/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,330/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,301 · Scale 2, in force from 26 Feb 2026)