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$27,303
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,152
−HK$863/mo
Today · 4.125%
HK$29,015
baseline
▲ 0.50% · 4.625%
HK$30,780
+HK$1,765/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,030/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,374
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,188
−HK$827/mo
Today · 4.125%
HK$32,015
baseline
▲ 0.50% · 4.625%
HK$33,702
+HK$1,687/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,030/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,763
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,782
−HK$1,036/mo
Today · 4.125%
HK$34,818
baseline
▲ 0.50% · 4.625%
HK$36,936
+HK$2,118/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,636/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,449
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,426
−HK$992/mo
Today · 4.125%
HK$38,418
baseline
▲ 0.50% · 4.625%
HK$40,443
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,836/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,224
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,413
−HK$1,208/mo
Today · 4.125%
HK$40,621
baseline
▲ 0.50% · 4.625%
HK$43,092
+HK$2,471/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,242/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,523
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,664
−HK$1,157/mo
Today · 4.125%
HK$44,821
baseline
▲ 0.50% · 4.625%
HK$47,183
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,642/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,145
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,673
−HK$1,554/mo
Today · 4.125%
HK$52,227
baseline
▲ 0.50% · 4.625%
HK$55,404
+HK$3,177/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,454/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,673
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,139
−HK$1,488/mo
Today · 4.125%
HK$57,627
baseline
▲ 0.50% · 4.625%
HK$60,664
+HK$3,037/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,254/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,006 · Scale 2, in force from 26 Feb 2026)