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$27,296
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,146
−HK$862/mo
Today · 4.125%
HK$29,008
baseline
▲ 0.50% · 4.625%
HK$30,773
+HK$1,765/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,016/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,367
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,182
−HK$826/mo
Today · 4.125%
HK$32,008
baseline
▲ 0.50% · 4.625%
HK$33,695
+HK$1,687/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,016/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,756
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,775
−HK$1,035/mo
Today · 4.125%
HK$34,810
baseline
▲ 0.50% · 4.625%
HK$36,928
+HK$2,118/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,620/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,440
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,418
−HK$991/mo
Today · 4.125%
HK$38,409
baseline
▲ 0.50% · 4.625%
HK$40,434
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,818/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,215
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,404
−HK$1,208/mo
Today · 4.125%
HK$40,612
baseline
▲ 0.50% · 4.625%
HK$43,083
+HK$2,471/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,224/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,514
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,654
−HK$1,157/mo
Today · 4.125%
HK$44,811
baseline
▲ 0.50% · 4.625%
HK$47,173
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,622/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,134
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,662
−HK$1,553/mo
Today · 4.125%
HK$52,215
baseline
▲ 0.50% · 4.625%
HK$55,392
+HK$3,177/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,430/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,661
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,127
−HK$1,487/mo
Today · 4.125%
HK$57,614
baseline
▲ 0.50% · 4.625%
HK$60,651
+HK$3,037/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,228/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,905 · Scale 2, in force from 26 Feb 2026)