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$27,304
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,153
−HK$863/mo
Today · 4.125%
HK$29,016
baseline
▲ 0.50% · 4.625%
HK$30,782
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,032/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,375
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,190
−HK$826/mo
Today · 4.125%
HK$32,016
baseline
▲ 0.50% · 4.625%
HK$33,704
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,032/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,765
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,784
−HK$1,035/mo
Today · 4.125%
HK$34,819
baseline
▲ 0.50% · 4.625%
HK$36,938
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,638/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,450
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,428
−HK$992/mo
Today · 4.125%
HK$38,420
baseline
▲ 0.50% · 4.625%
HK$40,445
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,840/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,225
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,414
−HK$1,208/mo
Today · 4.125%
HK$40,622
baseline
▲ 0.50% · 4.625%
HK$43,094
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,244/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,525
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,666
−HK$1,157/mo
Today · 4.125%
HK$44,823
baseline
▲ 0.50% · 4.625%
HK$47,186
+HK$2,363/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,646/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,147
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,676
−HK$1,553/mo
Today · 4.125%
HK$52,229
baseline
▲ 0.50% · 4.625%
HK$55,407
+HK$3,178/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,458/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,675
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,142
−HK$1,487/mo
Today · 4.125%
HK$57,629
baseline
▲ 0.50% · 4.625%
HK$60,667
+HK$3,038/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,258/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,027 · Scale 2, in force from 26 Feb 2026)