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$27,253
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,100
−HK$862/mo
Today · 4.125%
HK$28,962
baseline
▲ 0.50% · 4.625%
HK$30,724
+HK$1,762/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,924/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,318
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,131
−HK$825/mo
Today · 4.125%
HK$31,956
baseline
▲ 0.50% · 4.625%
HK$33,641
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,912/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,703
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,720
−HK$1,034/mo
Today · 4.125%
HK$34,754
baseline
▲ 0.50% · 4.625%
HK$36,869
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,508/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,382
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,358
−HK$990/mo
Today · 4.125%
HK$38,348
baseline
▲ 0.50% · 4.625%
HK$40,369
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,696/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,154
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,340
−HK$1,206/mo
Today · 4.125%
HK$40,546
baseline
▲ 0.50% · 4.625%
HK$43,013
+HK$2,467/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,092/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,446
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,584
−HK$1,155/mo
Today · 4.125%
HK$44,739
baseline
▲ 0.50% · 4.625%
HK$47,097
+HK$2,358/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,478/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,055
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,581
−HK$1,550/mo
Today · 4.125%
HK$52,131
baseline
▲ 0.50% · 4.625%
HK$55,303
+HK$3,172/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,262/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,573
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,036
−HK$1,485/mo
Today · 4.125%
HK$57,521
baseline
▲ 0.50% · 4.625%
HK$60,553
+HK$3,032/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,042/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,184 · Scale 2, in force from 26 Feb 2026)