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$27,256
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,104
−HK$861/mo
Today · 4.125%
HK$28,965
baseline
▲ 0.50% · 4.625%
HK$30,728
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,930/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,322
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,135
−HK$825/mo
Today · 4.125%
HK$31,960
baseline
▲ 0.50% · 4.625%
HK$33,645
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,920/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,707
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,725
−HK$1,033/mo
Today · 4.125%
HK$34,758
baseline
▲ 0.50% · 4.625%
HK$36,873
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,516/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,386
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,362
−HK$990/mo
Today · 4.125%
HK$38,352
baseline
▲ 0.50% · 4.625%
HK$40,374
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,704/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,158
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,345
−HK$1,206/mo
Today · 4.125%
HK$40,551
baseline
▲ 0.50% · 4.625%
HK$43,019
+HK$2,468/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,102/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,451
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,589
−HK$1,155/mo
Today · 4.125%
HK$44,744
baseline
▲ 0.50% · 4.625%
HK$47,103
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,488/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,061
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,587
−HK$1,550/mo
Today · 4.125%
HK$52,137
baseline
▲ 0.50% · 4.625%
HK$55,310
+HK$3,173/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,274/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,580
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,043
−HK$1,485/mo
Today · 4.125%
HK$57,528
baseline
▲ 0.50% · 4.625%
HK$60,561
+HK$3,033/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,056/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,240 · Scale 2, in force from 26 Feb 2026)