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$27,263
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,111
−HK$861/mo
Today · 4.125%
HK$28,972
baseline
▲ 0.50% · 4.625%
HK$30,735
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,944/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,330
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,143
−HK$825/mo
Today · 4.125%
HK$31,968
baseline
▲ 0.50% · 4.625%
HK$33,653
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,936/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,715
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,733
−HK$1,034/mo
Today · 4.125%
HK$34,767
baseline
▲ 0.50% · 4.625%
HK$36,882
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,534/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,395
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,372
−HK$990/mo
Today · 4.125%
HK$38,362
baseline
▲ 0.50% · 4.625%
HK$40,384
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,724/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,168
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,355
−HK$1,206/mo
Today · 4.125%
HK$40,561
baseline
▲ 0.50% · 4.625%
HK$43,029
+HK$2,468/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,122/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,461
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,600
−HK$1,155/mo
Today · 4.125%
HK$44,755
baseline
▲ 0.50% · 4.625%
HK$47,115
+HK$2,360/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,510/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,073
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,599
−HK$1,551/mo
Today · 4.125%
HK$52,150
baseline
▲ 0.50% · 4.625%
HK$55,323
+HK$3,173/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,300/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,593
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,057
−HK$1,486/mo
Today · 4.125%
HK$57,543
baseline
▲ 0.50% · 4.625%
HK$60,576
+HK$3,033/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,086/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,351 · Scale 2, in force from 26 Feb 2026)