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$27,265
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,113
−HK$862/mo
Today · 4.125%
HK$28,975
baseline
▲ 0.50% · 4.625%
HK$30,738
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,950/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,332
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,145
−HK$826/mo
Today · 4.125%
HK$31,971
baseline
▲ 0.50% · 4.625%
HK$33,656
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,942/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,718
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,736
−HK$1,034/mo
Today · 4.125%
HK$34,770
baseline
▲ 0.50% · 4.625%
HK$36,885
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,540/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,398
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,374
−HK$991/mo
Today · 4.125%
HK$38,365
baseline
▲ 0.50% · 4.625%
HK$40,387
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,730/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,171
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,358
−HK$1,206/mo
Today · 4.125%
HK$40,564
baseline
▲ 0.50% · 4.625%
HK$43,033
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,128/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,465
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,604
−HK$1,155/mo
Today · 4.125%
HK$44,759
baseline
▲ 0.50% · 4.625%
HK$47,118
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,518/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,077
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,603
−HK$1,551/mo
Today · 4.125%
HK$52,154
baseline
▲ 0.50% · 4.625%
HK$55,328
+HK$3,174/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,308/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,597
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,062
−HK$1,485/mo
Today · 4.125%
HK$57,547
baseline
▲ 0.50% · 4.625%
HK$60,581
+HK$3,034/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,094/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,386 · Scale 2, in force from 26 Feb 2026)