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$27,309
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,159
−HK$863/mo
Today · 4.125%
HK$29,022
baseline
▲ 0.50% · 4.625%
HK$30,787
+HK$1,765/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,044/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,381
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,196
−HK$826/mo
Today · 4.125%
HK$32,022
baseline
▲ 0.50% · 4.625%
HK$33,710
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,044/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,771
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,790
−HK$1,036/mo
Today · 4.125%
HK$34,826
baseline
▲ 0.50% · 4.625%
HK$36,945
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,652/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,457
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,435
−HK$992/mo
Today · 4.125%
HK$38,427
baseline
▲ 0.50% · 4.625%
HK$40,452
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,854/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,233
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,422
−HK$1,208/mo
Today · 4.125%
HK$40,630
baseline
▲ 0.50% · 4.625%
HK$43,102
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,260/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,533
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,674
−HK$1,157/mo
Today · 4.125%
HK$44,831
baseline
▲ 0.50% · 4.625%
HK$47,195
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,662/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,156
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,685
−HK$1,554/mo
Today · 4.125%
HK$52,239
baseline
▲ 0.50% · 4.625%
HK$55,417
+HK$3,178/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,478/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,686
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,153
−HK$1,487/mo
Today · 4.125%
HK$57,640
baseline
▲ 0.50% · 4.625%
HK$60,679
+HK$3,039/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,280/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,112 · Scale 2, in force from 26 Feb 2026)