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$27,310
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,160
−HK$863/mo
Today · 4.125%
HK$29,023
baseline
▲ 0.50% · 4.625%
HK$30,789
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,046/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,382
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,197
−HK$827/mo
Today · 4.125%
HK$32,024
baseline
▲ 0.50% · 4.625%
HK$33,712
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,048/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,772
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,792
−HK$1,035/mo
Today · 4.125%
HK$34,827
baseline
▲ 0.50% · 4.625%
HK$36,946
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,654/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,459
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,436
−HK$992/mo
Today · 4.125%
HK$38,428
baseline
▲ 0.50% · 4.625%
HK$40,454
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,856/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,234
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,423
−HK$1,209/mo
Today · 4.125%
HK$40,632
baseline
▲ 0.50% · 4.625%
HK$43,104
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,264/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,535
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,676
−HK$1,157/mo
Today · 4.125%
HK$44,833
baseline
▲ 0.50% · 4.625%
HK$47,196
+HK$2,363/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,666/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,158
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,687
−HK$1,554/mo
Today · 4.125%
HK$52,241
baseline
▲ 0.50% · 4.625%
HK$55,420
+HK$3,179/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,482/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,688
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,155
−HK$1,488/mo
Today · 4.125%
HK$57,643
baseline
▲ 0.50% · 4.625%
HK$60,681
+HK$3,038/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,286/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,130 · Scale 2, in force from 26 Feb 2026)