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$1,713/mo
▼ 0.25% · 3.875%
HK$28,169
−HK$863/mo
Today · 4.125%
HK$29,032
baseline
▲ 0.50% · 4.625%
HK$30,799
+HK$1,767/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,064/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,392
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,207
−HK$827/mo
Today · 4.125%
HK$32,034
baseline
▲ 0.50% · 4.625%
HK$33,723
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,068/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,783
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,802
−HK$1,037/mo
Today · 4.125%
HK$34,839
baseline
▲ 0.50% · 4.625%
HK$36,958
+HK$2,119/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$449,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,470
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$992/mo
Today · 4.125%
HK$38,441
baseline
▲ 0.50% · 4.625%
HK$40,467
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,882/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,247
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,436
−HK$1,209/mo
Today · 4.125%
HK$40,645
baseline
▲ 0.50% · 4.625%
HK$43,118
+HK$2,473/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$81,290/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,549
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,690
−HK$1,158/mo
Today · 4.125%
HK$44,848
baseline
▲ 0.50% · 4.625%
HK$47,212
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.39M · min. income ≈ HK$89,696/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,174
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,704
−HK$1,554/mo
Today · 4.125%
HK$52,258
baseline
▲ 0.50% · 4.625%
HK$55,438
+HK$3,180/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,516/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,706
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,173
−HK$1,488/mo
Today · 4.125%
HK$57,661
baseline
▲ 0.50% · 4.625%
HK$60,701
+HK$3,040/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,322/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,275 · Scale 2, in force from 26 Feb 2026)