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$27,295
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,144
−HK$863/mo
Today · 4.125%
HK$29,007
baseline
▲ 0.50% · 4.625%
HK$30,772
+HK$1,765/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,014/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,365
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,180
−HK$826/mo
Today · 4.125%
HK$32,006
baseline
▲ 0.50% · 4.625%
HK$33,693
+HK$1,687/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,012/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,754
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,773
−HK$1,035/mo
Today · 4.125%
HK$34,808
baseline
▲ 0.50% · 4.625%
HK$36,926
+HK$2,118/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,616/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,438
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,416
−HK$991/mo
Today · 4.125%
HK$38,407
baseline
▲ 0.50% · 4.625%
HK$40,432
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,814/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,213
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,402
−HK$1,207/mo
Today · 4.125%
HK$40,609
baseline
▲ 0.50% · 4.625%
HK$43,080
+HK$2,471/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,218/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,512
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,652
−HK$1,156/mo
Today · 4.125%
HK$44,808
baseline
▲ 0.50% · 4.625%
HK$47,170
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,616/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,131
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,659
−HK$1,553/mo
Today · 4.125%
HK$52,212
baseline
▲ 0.50% · 4.625%
HK$55,389
+HK$3,177/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,424/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,658
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,124
−HK$1,487/mo
Today · 4.125%
HK$57,611
baseline
▲ 0.50% · 4.625%
HK$60,647
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,222/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,881 · Scale 2, in force from 26 Feb 2026)