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$27,281
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,130
−HK$862/mo
Today · 4.125%
HK$28,992
baseline
▲ 0.50% · 4.625%
HK$30,756
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,984/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,350
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,164
−HK$826/mo
Today · 4.125%
HK$31,990
baseline
▲ 0.50% · 4.625%
HK$33,676
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,980/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,738
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,756
−HK$1,035/mo
Today · 4.125%
HK$34,791
baseline
▲ 0.50% · 4.625%
HK$36,907
+HK$2,116/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,582/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,420
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,397
−HK$991/mo
Today · 4.125%
HK$38,388
baseline
▲ 0.50% · 4.625%
HK$40,411
+HK$2,023/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,776/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,194
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,382
−HK$1,207/mo
Today · 4.125%
HK$40,589
baseline
▲ 0.50% · 4.625%
HK$43,059
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,178/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,490
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,630
−HK$1,156/mo
Today · 4.125%
HK$44,786
baseline
▲ 0.50% · 4.625%
HK$47,147
+HK$2,361/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,572/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,106
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,634
−HK$1,552/mo
Today · 4.125%
HK$52,186
baseline
▲ 0.50% · 4.625%
HK$55,361
+HK$3,175/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,372/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,630
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,096
−HK$1,486/mo
Today · 4.125%
HK$57,582
baseline
▲ 0.50% · 4.625%
HK$60,617
+HK$3,035/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,164/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,656 · Scale 2, in force from 26 Feb 2026)