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$27,335
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,185
−HK$864/mo
Today · 4.125%
HK$29,049
baseline
▲ 0.50% · 4.625%
HK$30,816
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,098/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,410
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,225
−HK$828/mo
Today · 4.125%
HK$32,053
baseline
▲ 0.50% · 4.625%
HK$33,742
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,106/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,802
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,822
−HK$1,037/mo
Today · 4.125%
HK$34,859
baseline
▲ 0.50% · 4.625%
HK$36,980
+HK$2,121/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$69,718/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,492
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,470
−HK$993/mo
Today · 4.125%
HK$38,463
baseline
▲ 0.50% · 4.625%
HK$40,491
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$76,926/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,269
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,459
−HK$1,209/mo
Today · 4.125%
HK$40,668
baseline
▲ 0.50% · 4.625%
HK$43,143
+HK$2,475/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,336/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,573
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,715
−HK$1,159/mo
Today · 4.125%
HK$44,874
baseline
▲ 0.50% · 4.625%
HK$47,239
+HK$2,365/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,748/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,203
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,733
−HK$1,555/mo
Today · 4.125%
HK$52,288
baseline
▲ 0.50% · 4.625%
HK$55,470
+HK$3,182/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,576/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,737
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,205
−HK$1,490/mo
Today · 4.125%
HK$57,695
baseline
▲ 0.50% · 4.625%
HK$60,736
+HK$3,041/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,390/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,534 · Scale 2, in force from 26 Feb 2026)