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$27,283
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,132
−HK$862/mo
Today · 4.125%
HK$28,994
baseline
▲ 0.50% · 4.625%
HK$30,758
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,988/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,352
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,166
−HK$826/mo
Today · 4.125%
HK$31,992
baseline
▲ 0.50% · 4.625%
HK$33,678
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,984/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,740
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,758
−HK$1,035/mo
Today · 4.125%
HK$34,793
baseline
▲ 0.50% · 4.625%
HK$36,910
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,586/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,423
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,400
−HK$991/mo
Today · 4.125%
HK$38,391
baseline
▲ 0.50% · 4.625%
HK$40,414
+HK$2,023/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,782/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,196
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,385
−HK$1,207/mo
Today · 4.125%
HK$40,592
baseline
▲ 0.50% · 4.625%
HK$43,062
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,184/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,493
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,633
−HK$1,156/mo
Today · 4.125%
HK$44,789
baseline
▲ 0.50% · 4.625%
HK$47,150
+HK$2,361/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,578/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,110
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,637
−HK$1,552/mo
Today · 4.125%
HK$52,189
baseline
▲ 0.50% · 4.625%
HK$55,365
+HK$3,176/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,378/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,634
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,099
−HK$1,487/mo
Today · 4.125%
HK$57,586
baseline
▲ 0.50% · 4.625%
HK$60,621
+HK$3,035/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,172/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,687 · Scale 2, in force from 26 Feb 2026)