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$27,279
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,128
−HK$862/mo
Today · 4.125%
HK$28,990
baseline
▲ 0.50% · 4.625%
HK$30,754
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,980/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,348
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,162
−HK$825/mo
Today · 4.125%
HK$31,987
baseline
▲ 0.50% · 4.625%
HK$33,673
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,974/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,735
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,753
−HK$1,035/mo
Today · 4.125%
HK$34,788
baseline
▲ 0.50% · 4.625%
HK$36,904
+HK$2,116/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,576/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,417
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,394
−HK$991/mo
Today · 4.125%
HK$38,385
baseline
▲ 0.50% · 4.625%
HK$40,408
+HK$2,023/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,770/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,191
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,379
−HK$1,207/mo
Today · 4.125%
HK$40,586
baseline
▲ 0.50% · 4.625%
HK$43,055
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,172/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,487
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,626
−HK$1,156/mo
Today · 4.125%
HK$44,782
baseline
▲ 0.50% · 4.625%
HK$47,143
+HK$2,361/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,564/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,102
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,630
−HK$1,551/mo
Today · 4.125%
HK$52,181
baseline
▲ 0.50% · 4.625%
HK$55,357
+HK$3,176/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,362/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,626
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,091
−HK$1,486/mo
Today · 4.125%
HK$57,577
baseline
▲ 0.50% · 4.625%
HK$60,612
+HK$3,035/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,154/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,619 · Scale 2, in force from 26 Feb 2026)