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$27,292
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,141
−HK$863/mo
Today · 4.125%
HK$29,004
baseline
▲ 0.50% · 4.625%
HK$30,769
+HK$1,765/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$58,008/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,362
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,177
−HK$826/mo
Today · 4.125%
HK$32,003
baseline
▲ 0.50% · 4.625%
HK$33,690
+HK$1,687/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$64,006/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,751
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,769
−HK$1,036/mo
Today · 4.125%
HK$34,805
baseline
▲ 0.50% · 4.625%
HK$36,922
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,610/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,435
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,412
−HK$991/mo
Today · 4.125%
HK$38,403
baseline
▲ 0.50% · 4.625%
HK$40,428
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,806/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,209
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,398
−HK$1,207/mo
Today · 4.125%
HK$40,605
baseline
▲ 0.50% · 4.625%
HK$43,076
+HK$2,471/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,210/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,507
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,647
−HK$1,157/mo
Today · 4.125%
HK$44,804
baseline
▲ 0.50% · 4.625%
HK$47,166
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,608/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,126
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,654
−HK$1,553/mo
Today · 4.125%
HK$52,207
baseline
▲ 0.50% · 4.625%
HK$55,383
+HK$3,176/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,414/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,652
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,118
−HK$1,487/mo
Today · 4.125%
HK$57,605
baseline
▲ 0.50% · 4.625%
HK$60,641
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,210/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,836 · Scale 2, in force from 26 Feb 2026)