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$28,166
−HK$864/mo
Today · 4.125%
HK$29,030
baseline
▲ 0.50% · 4.625%
HK$30,796
+HK$1,766/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$449,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,390
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,205
−HK$826/mo
Today · 4.125%
HK$32,031
baseline
▲ 0.50% · 4.625%
HK$33,720
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,062/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,780
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,800
−HK$1,036/mo
Today · 4.125%
HK$34,836
baseline
▲ 0.50% · 4.625%
HK$36,955
+HK$2,119/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$449,238 · 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$40,464
+HK$2,026/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$449,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,243
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,433
−HK$1,209/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$449,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,545
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,686
−HK$1,158/mo
Today · 4.125%
HK$44,844
baseline
▲ 0.50% · 4.625%
HK$47,208
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,688/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,170
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,700
−HK$1,554/mo
Today · 4.125%
HK$52,254
baseline
▲ 0.50% · 4.625%
HK$55,433
+HK$3,179/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$449,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,701
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,168
−HK$1,489/mo
Today · 4.125%
HK$57,657
baseline
▲ 0.50% · 4.625%
HK$60,696
+HK$3,039/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,314/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,238 · Scale 2, in force from 26 Feb 2026)