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$27,271
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,119
−HK$862/mo
Today · 4.125%
HK$28,981
baseline
▲ 0.50% · 4.625%
HK$30,744
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,962/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,338
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,152
−HK$826/mo
Today · 4.125%
HK$31,978
baseline
▲ 0.50% · 4.625%
HK$33,663
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,956/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,725
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,743
−HK$1,034/mo
Today · 4.125%
HK$34,777
baseline
▲ 0.50% · 4.625%
HK$36,893
+HK$2,116/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$69,554/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,406
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,383
−HK$990/mo
Today · 4.125%
HK$38,373
baseline
▲ 0.50% · 4.625%
HK$40,396
+HK$2,023/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$76,746/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,179
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,367
−HK$1,206/mo
Today · 4.125%
HK$40,573
baseline
▲ 0.50% · 4.625%
HK$43,042
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,146/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,474
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,613
−HK$1,156/mo
Today · 4.125%
HK$44,769
baseline
▲ 0.50% · 4.625%
HK$47,128
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,538/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,087
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,614
−HK$1,552/mo
Today · 4.125%
HK$52,166
baseline
▲ 0.50% · 4.625%
HK$55,340
+HK$3,174/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,332/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,609
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,074
−HK$1,486/mo
Today · 4.125%
HK$57,560
baseline
▲ 0.50% · 4.625%
HK$60,594
+HK$3,034/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,120/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,483 · Scale 2, in force from 26 Feb 2026)