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$27,293
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,142
−HK$863/mo
Today · 4.125%
HK$29,005
baseline
▲ 0.50% · 4.625%
HK$30,770
+HK$1,765/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$58,010/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,363
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,178
−HK$826/mo
Today · 4.125%
HK$32,004
baseline
▲ 0.50% · 4.625%
HK$33,691
+HK$1,687/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$64,008/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,752
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,771
−HK$1,035/mo
Today · 4.125%
HK$34,806
baseline
▲ 0.50% · 4.625%
HK$36,923
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,612/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,436
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,413
−HK$992/mo
Today · 4.125%
HK$38,405
baseline
▲ 0.50% · 4.625%
HK$40,429
+HK$2,024/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,810/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,210
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,399
−HK$1,208/mo
Today · 4.125%
HK$40,607
baseline
▲ 0.50% · 4.625%
HK$43,077
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,214/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,509
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,649
−HK$1,156/mo
Today · 4.125%
HK$44,805
baseline
▲ 0.50% · 4.625%
HK$47,167
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,610/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,128
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,656
−HK$1,552/mo
Today · 4.125%
HK$52,208
baseline
▲ 0.50% · 4.625%
HK$55,385
+HK$3,177/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,416/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,654
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,120
−HK$1,487/mo
Today · 4.125%
HK$57,607
baseline
▲ 0.50% · 4.625%
HK$60,643
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,214/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,851 · Scale 2, in force from 26 Feb 2026)