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$27,288
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,137
−HK$862/mo
Today · 4.125%
HK$28,999
baseline
▲ 0.50% · 4.625%
HK$30,764
+HK$1,765/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,998/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,358
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,172
−HK$826/mo
Today · 4.125%
HK$31,998
baseline
▲ 0.50% · 4.625%
HK$33,684
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,996/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,746
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,764
−HK$1,035/mo
Today · 4.125%
HK$34,799
baseline
▲ 0.50% · 4.625%
HK$36,917
+HK$2,118/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,598/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,429
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,406
−HK$991/mo
Today · 4.125%
HK$38,397
baseline
▲ 0.50% · 4.625%
HK$40,421
+HK$2,024/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,794/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,203
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,392
−HK$1,207/mo
Today · 4.125%
HK$40,599
baseline
▲ 0.50% · 4.625%
HK$43,069
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,198/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,501
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,641
−HK$1,156/mo
Today · 4.125%
HK$44,797
baseline
▲ 0.50% · 4.625%
HK$47,158
+HK$2,361/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,594/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,119
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,646
−HK$1,553/mo
Today · 4.125%
HK$52,199
baseline
▲ 0.50% · 4.625%
HK$55,375
+HK$3,176/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,398/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,644
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,109
−HK$1,487/mo
Today · 4.125%
HK$57,596
baseline
▲ 0.50% · 4.625%
HK$60,632
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,192/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,767 · Scale 2, in force from 26 Feb 2026)