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$27,289
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,138
−HK$862/mo
Today · 4.125%
HK$29,000
baseline
▲ 0.50% · 4.625%
HK$30,765
+HK$1,765/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$58,000/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,359
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,173
−HK$826/mo
Today · 4.125%
HK$31,999
baseline
▲ 0.50% · 4.625%
HK$33,686
+HK$1,687/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,998/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,747
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,765
−HK$1,035/mo
Today · 4.125%
HK$34,800
baseline
▲ 0.50% · 4.625%
HK$36,918
+HK$2,118/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,600/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,430
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,407
−HK$992/mo
Today · 4.125%
HK$38,399
baseline
▲ 0.50% · 4.625%
HK$40,423
+HK$2,024/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,798/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,204
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,393
−HK$1,207/mo
Today · 4.125%
HK$40,600
baseline
▲ 0.50% · 4.625%
HK$43,071
+HK$2,471/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,200/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,502
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,642
−HK$1,156/mo
Today · 4.125%
HK$44,798
baseline
▲ 0.50% · 4.625%
HK$47,160
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,596/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,120
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,648
−HK$1,552/mo
Today · 4.125%
HK$52,200
baseline
▲ 0.50% · 4.625%
HK$55,377
+HK$3,177/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,400/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,646
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,111
−HK$1,487/mo
Today · 4.125%
HK$57,598
baseline
▲ 0.50% · 4.625%
HK$60,634
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,196/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,781 · Scale 2, in force from 26 Feb 2026)