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$27,311
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,161
−HK$863/mo
Today · 4.125%
HK$29,024
baseline
▲ 0.50% · 4.625%
HK$30,790
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,048/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,383
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,198
−HK$827/mo
Today · 4.125%
HK$32,025
baseline
▲ 0.50% · 4.625%
HK$33,713
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,050/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,773
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,793
−HK$1,035/mo
Today · 4.125%
HK$34,828
baseline
▲ 0.50% · 4.625%
HK$36,948
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,656/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,460
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,438
−HK$992/mo
Today · 4.125%
HK$38,430
baseline
▲ 0.50% · 4.625%
HK$40,455
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,860/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,235
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,425
−HK$1,208/mo
Today · 4.125%
HK$40,633
baseline
▲ 0.50% · 4.625%
HK$43,106
+HK$2,473/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,266/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,536
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,677
−HK$1,158/mo
Today · 4.125%
HK$44,835
baseline
▲ 0.50% · 4.625%
HK$47,198
+HK$2,363/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,670/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,160
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,689
−HK$1,554/mo
Today · 4.125%
HK$52,243
baseline
▲ 0.50% · 4.625%
HK$55,421
+HK$3,178/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,486/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,690
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,157
−HK$1,487/mo
Today · 4.125%
HK$57,644
baseline
▲ 0.50% · 4.625%
HK$60,683
+HK$3,039/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,288/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,144 · Scale 2, in force from 26 Feb 2026)