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$27,334
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,184
−HK$864/mo
Today · 4.125%
HK$29,048
baseline
▲ 0.50% · 4.625%
HK$30,815
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,096/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,408
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,224
−HK$827/mo
Today · 4.125%
HK$32,051
baseline
▲ 0.50% · 4.625%
HK$33,741
+HK$1,690/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,102/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,800
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,821
−HK$1,036/mo
Today · 4.125%
HK$34,857
baseline
▲ 0.50% · 4.625%
HK$36,978
+HK$2,121/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,714/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,490
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,469
−HK$993/mo
Today · 4.125%
HK$38,462
baseline
▲ 0.50% · 4.625%
HK$40,489
+HK$2,027/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,924/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,267
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,457
−HK$1,210/mo
Today · 4.125%
HK$40,667
baseline
▲ 0.50% · 4.625%
HK$43,141
+HK$2,474/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,334/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,572
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,714
−HK$1,158/mo
Today · 4.125%
HK$44,872
baseline
▲ 0.50% · 4.625%
HK$47,237
+HK$2,365/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,744/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,201
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,731
−HK$1,555/mo
Today · 4.125%
HK$52,286
baseline
▲ 0.50% · 4.625%
HK$55,467
+HK$3,181/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,572/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,735
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,203
−HK$1,489/mo
Today · 4.125%
HK$57,692
baseline
▲ 0.50% · 4.625%
HK$60,733
+HK$3,041/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,384/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,516 · Scale 2, in force from 26 Feb 2026)