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$27,313
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,162
−HK$863/mo
Today · 4.125%
HK$29,025
baseline
▲ 0.50% · 4.625%
HK$30,791
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,050/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,385
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,200
−HK$827/mo
Today · 4.125%
HK$32,027
baseline
▲ 0.50% · 4.625%
HK$33,715
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,054/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,775
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,795
−HK$1,035/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,950
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,462
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,440
−HK$992/mo
Today · 4.125%
HK$38,432
baseline
▲ 0.50% · 4.625%
HK$40,458
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,864/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,238
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,427
−HK$1,208/mo
Today · 4.125%
HK$40,635
baseline
▲ 0.50% · 4.625%
HK$43,108
+HK$2,473/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,270/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,539
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,680
−HK$1,157/mo
Today · 4.125%
HK$44,837
baseline
▲ 0.50% · 4.625%
HK$47,201
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,674/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,163
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,692
−HK$1,554/mo
Today · 4.125%
HK$52,246
baseline
▲ 0.50% · 4.625%
HK$55,425
+HK$3,179/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,492/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,693
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,160
−HK$1,488/mo
Today · 4.125%
HK$57,648
baseline
▲ 0.50% · 4.625%
HK$60,687
+HK$3,039/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,296/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,170 · Scale 2, in force from 26 Feb 2026)