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$27,317
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,167
−HK$863/mo
Today · 4.125%
HK$29,030
baseline
▲ 0.50% · 4.625%
HK$30,797
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,060/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,390
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,205
−HK$827/mo
Today · 4.125%
HK$32,032
baseline
▲ 0.50% · 4.625%
HK$33,720
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,064/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,781
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,800
−HK$1,036/mo
Today · 4.125%
HK$34,836
baseline
▲ 0.50% · 4.625%
HK$36,956
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,672/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,468
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,446
−HK$992/mo
Today · 4.125%
HK$38,438
baseline
▲ 0.50% · 4.625%
HK$40,465
+HK$2,027/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,876/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,244
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,434
−HK$1,208/mo
Today · 4.125%
HK$40,642
baseline
▲ 0.50% · 4.625%
HK$43,115
+HK$2,473/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,284/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,546
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,687
−HK$1,158/mo
Today · 4.125%
HK$44,845
baseline
▲ 0.50% · 4.625%
HK$47,209
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,690/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,171
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,701
−HK$1,553/mo
Today · 4.125%
HK$52,254
baseline
▲ 0.50% · 4.625%
HK$55,434
+HK$3,180/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,508/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,702
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,169
−HK$1,489/mo
Today · 4.125%
HK$57,658
baseline
▲ 0.50% · 4.625%
HK$60,697
+HK$3,039/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,316/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,247 · Scale 2, in force from 26 Feb 2026)