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$27,319
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,169
−HK$864/mo
Today · 4.125%
HK$29,033
baseline
▲ 0.50% · 4.625%
HK$30,799
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,066/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,393
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,208
−HK$827/mo
Today · 4.125%
HK$32,035
baseline
▲ 0.50% · 4.625%
HK$33,723
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,070/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,783
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,803
−HK$1,036/mo
Today · 4.125%
HK$34,839
baseline
▲ 0.50% · 4.625%
HK$36,959
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,678/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,471
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$993/mo
Today · 4.125%
HK$38,442
baseline
▲ 0.50% · 4.625%
HK$40,468
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,884/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,247
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,437
−HK$1,209/mo
Today · 4.125%
HK$40,646
baseline
▲ 0.50% · 4.625%
HK$43,119
+HK$2,473/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,292/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,550
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,691
−HK$1,158/mo
Today · 4.125%
HK$44,849
baseline
▲ 0.50% · 4.625%
HK$47,213
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,698/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,175
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,705
−HK$1,554/mo
Today · 4.125%
HK$52,259
baseline
▲ 0.50% · 4.625%
HK$55,439
+HK$3,180/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,518/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,707
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,174
−HK$1,488/mo
Today · 4.125%
HK$57,662
baseline
▲ 0.50% · 4.625%
HK$60,702
+HK$3,040/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,324/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,284 · Scale 2, in force from 26 Feb 2026)