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$27,328
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,178
−HK$864/mo
Today · 4.125%
HK$29,042
baseline
▲ 0.50% · 4.625%
HK$30,809
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,084/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,402
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,217
−HK$828/mo
Today · 4.125%
HK$32,045
baseline
▲ 0.50% · 4.625%
HK$33,734
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,090/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,794
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,814
−HK$1,036/mo
Today · 4.125%
HK$34,850
baseline
▲ 0.50% · 4.625%
HK$36,971
+HK$2,121/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,700/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,483
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,461
−HK$993/mo
Today · 4.125%
HK$38,454
baseline
▲ 0.50% · 4.625%
HK$40,480
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,908/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,259
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,449
−HK$1,209/mo
Today · 4.125%
HK$40,658
baseline
▲ 0.50% · 4.625%
HK$43,132
+HK$2,474/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,316/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,563
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,704
−HK$1,158/mo
Today · 4.125%
HK$44,862
baseline
▲ 0.50% · 4.625%
HK$47,227
+HK$2,365/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,724/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,190
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,720
−HK$1,555/mo
Today · 4.125%
HK$52,275
baseline
▲ 0.50% · 4.625%
HK$55,456
+HK$3,181/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,550/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,724
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,191
−HK$1,489/mo
Today · 4.125%
HK$57,680
baseline
▲ 0.50% · 4.625%
HK$60,721
+HK$3,041/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,360/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,423 · Scale 2, in force from 26 Feb 2026)