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$27,323
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,173
−HK$863/mo
Today · 4.125%
HK$29,036
baseline
▲ 0.50% · 4.625%
HK$30,803
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,072/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,396
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,211
−HK$828/mo
Today · 4.125%
HK$32,039
baseline
▲ 0.50% · 4.625%
HK$33,727
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,078/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,787
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,807
−HK$1,036/mo
Today · 4.125%
HK$34,843
baseline
▲ 0.50% · 4.625%
HK$36,963
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,686/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,476
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,454
−HK$992/mo
Today · 4.125%
HK$38,446
baseline
▲ 0.50% · 4.625%
HK$40,473
+HK$2,027/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,892/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,252
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,442
−HK$1,209/mo
Today · 4.125%
HK$40,651
baseline
▲ 0.50% · 4.625%
HK$43,124
+HK$2,473/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,302/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,555
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,696
−HK$1,158/mo
Today · 4.125%
HK$44,854
baseline
▲ 0.50% · 4.625%
HK$47,218
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,708/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,181
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,711
−HK$1,554/mo
Today · 4.125%
HK$52,265
baseline
▲ 0.50% · 4.625%
HK$55,445
+HK$3,180/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,530/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,713
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,181
−HK$1,488/mo
Today · 4.125%
HK$57,669
baseline
▲ 0.50% · 4.625%
HK$60,709
+HK$3,040/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,338/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,337 · Scale 2, in force from 26 Feb 2026)