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$27,278
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,126
−HK$862/mo
Today · 4.125%
HK$28,988
baseline
▲ 0.50% · 4.625%
HK$30,752
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,976/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,346
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,160
−HK$826/mo
Today · 4.125%
HK$31,986
baseline
▲ 0.50% · 4.625%
HK$33,672
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,972/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,733
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,751
−HK$1,035/mo
Today · 4.125%
HK$34,786
baseline
▲ 0.50% · 4.625%
HK$36,903
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,572/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,415
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,392
−HK$991/mo
Today · 4.125%
HK$38,383
baseline
▲ 0.50% · 4.625%
HK$40,406
+HK$2,023/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,766/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,189
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,377
−HK$1,207/mo
Today · 4.125%
HK$40,584
baseline
▲ 0.50% · 4.625%
HK$43,053
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,168/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,485
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,624
−HK$1,156/mo
Today · 4.125%
HK$44,780
baseline
▲ 0.50% · 4.625%
HK$47,140
+HK$2,360/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,560/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,100
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,627
−HK$1,552/mo
Today · 4.125%
HK$52,179
baseline
▲ 0.50% · 4.625%
HK$55,354
+HK$3,175/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,358/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,623
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,088
−HK$1,486/mo
Today · 4.125%
HK$57,574
baseline
▲ 0.50% · 4.625%
HK$60,609
+HK$3,035/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,148/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,597 · Scale 2, in force from 26 Feb 2026)