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$27,275
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,123
−HK$862/mo
Today · 4.125%
HK$28,985
baseline
▲ 0.50% · 4.625%
HK$30,749
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,970/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,343
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,156
−HK$826/mo
Today · 4.125%
HK$31,982
baseline
▲ 0.50% · 4.625%
HK$33,668
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,964/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,729
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,747
−HK$1,035/mo
Today · 4.125%
HK$34,782
baseline
▲ 0.50% · 4.625%
HK$36,898
+HK$2,116/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$69,564/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,411
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,388
−HK$990/mo
Today · 4.125%
HK$38,378
baseline
▲ 0.50% · 4.625%
HK$40,401
+HK$2,023/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$76,756/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,184
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,372
−HK$1,207/mo
Today · 4.125%
HK$40,579
baseline
▲ 0.50% · 4.625%
HK$43,048
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,158/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,480
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,619
−HK$1,156/mo
Today · 4.125%
HK$44,775
baseline
▲ 0.50% · 4.625%
HK$47,135
+HK$2,360/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,550/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,094
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,621
−HK$1,552/mo
Today · 4.125%
HK$52,173
baseline
▲ 0.50% · 4.625%
HK$55,347
+HK$3,174/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,346/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,617
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,082
−HK$1,485/mo
Today · 4.125%
HK$57,567
baseline
▲ 0.50% · 4.625%
HK$60,602
+HK$3,035/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,134/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,544 · Scale 2, in force from 26 Feb 2026)