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$27,296
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,145
−HK$863/mo
Today · 4.125%
HK$29,008
baseline
▲ 0.50% · 4.625%
HK$30,773
+HK$1,765/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,016/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,366
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,181
−HK$826/mo
Today · 4.125%
HK$32,007
baseline
▲ 0.50% · 4.625%
HK$33,694
+HK$1,687/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,014/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,755
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,774
−HK$1,035/mo
Today · 4.125%
HK$34,809
baseline
▲ 0.50% · 4.625%
HK$36,927
+HK$2,118/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,618/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,440
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,417
−HK$991/mo
Today · 4.125%
HK$38,408
baseline
▲ 0.50% · 4.625%
HK$40,433
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,816/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,214
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,403
−HK$1,208/mo
Today · 4.125%
HK$40,611
baseline
▲ 0.50% · 4.625%
HK$43,082
+HK$2,471/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,222/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,513
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,653
−HK$1,157/mo
Today · 4.125%
HK$44,810
baseline
▲ 0.50% · 4.625%
HK$47,172
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,620/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,133
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,661
−HK$1,553/mo
Today · 4.125%
HK$52,214
baseline
▲ 0.50% · 4.625%
HK$55,391
+HK$3,177/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,428/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,660
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,125
−HK$1,488/mo
Today · 4.125%
HK$57,613
baseline
▲ 0.50% · 4.625%
HK$60,649
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,226/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,896 · Scale 2, in force from 26 Feb 2026)