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$27,315
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,165
−HK$863/mo
Today · 4.125%
HK$29,028
baseline
▲ 0.50% · 4.625%
HK$30,794
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,056/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,388
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,203
−HK$826/mo
Today · 4.125%
HK$32,029
baseline
▲ 0.50% · 4.625%
HK$33,718
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,058/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,778
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,798
−HK$1,035/mo
Today · 4.125%
HK$34,833
baseline
▲ 0.50% · 4.625%
HK$36,953
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,666/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,465
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,443
−HK$992/mo
Today · 4.125%
HK$38,435
baseline
▲ 0.50% · 4.625%
HK$40,461
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,870/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,241
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,430
−HK$1,209/mo
Today · 4.125%
HK$40,639
baseline
▲ 0.50% · 4.625%
HK$43,112
+HK$2,473/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,278/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,543
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,684
−HK$1,157/mo
Today · 4.125%
HK$44,841
baseline
▲ 0.50% · 4.625%
HK$47,205
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,682/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,167
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,696
−HK$1,554/mo
Today · 4.125%
HK$52,250
baseline
▲ 0.50% · 4.625%
HK$55,429
+HK$3,179/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,500/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,698
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,165
−HK$1,488/mo
Today · 4.125%
HK$57,653
baseline
▲ 0.50% · 4.625%
HK$60,692
+HK$3,039/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,306/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,210 · Scale 2, in force from 26 Feb 2026)