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$27,333
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,183
−HK$864/mo
Today · 4.125%
HK$29,047
baseline
▲ 0.50% · 4.625%
HK$30,814
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,094/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,407
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,223
−HK$827/mo
Today · 4.125%
HK$32,050
baseline
▲ 0.50% · 4.625%
HK$33,740
+HK$1,690/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,100/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,799
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,820
−HK$1,036/mo
Today · 4.125%
HK$34,856
baseline
▲ 0.50% · 4.625%
HK$36,977
+HK$2,121/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,712/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,489
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,468
−HK$992/mo
Today · 4.125%
HK$38,460
baseline
▲ 0.50% · 4.625%
HK$40,488
+HK$2,028/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,920/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,266
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,456
−HK$1,210/mo
Today · 4.125%
HK$40,666
baseline
▲ 0.50% · 4.625%
HK$43,140
+HK$2,474/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,332/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,570
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,712
−HK$1,158/mo
Today · 4.125%
HK$44,870
baseline
▲ 0.50% · 4.625%
HK$47,236
+HK$2,366/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,740/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,199
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,729
−HK$1,555/mo
Today · 4.125%
HK$52,284
baseline
▲ 0.50% · 4.625%
HK$55,466
+HK$3,182/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,568/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,733
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,201
−HK$1,489/mo
Today · 4.125%
HK$57,690
baseline
▲ 0.50% · 4.625%
HK$60,731
+HK$3,041/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,380/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,502 · Scale 2, in force from 26 Feb 2026)