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$27,253
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,101
−HK$861/mo
Today · 4.125%
HK$28,962
baseline
▲ 0.50% · 4.625%
HK$30,725
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,924/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,319
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,132
−HK$825/mo
Today · 4.125%
HK$31,957
baseline
▲ 0.50% · 4.625%
HK$33,642
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,914/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,704
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,721
−HK$1,034/mo
Today · 4.125%
HK$34,755
baseline
▲ 0.50% · 4.625%
HK$36,870
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,510/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,383
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,359
−HK$990/mo
Today · 4.125%
HK$38,349
baseline
▲ 0.50% · 4.625%
HK$40,370
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,698/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,155
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,341
−HK$1,206/mo
Today · 4.125%
HK$40,547
baseline
▲ 0.50% · 4.625%
HK$43,015
+HK$2,468/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,094/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,447
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,585
−HK$1,155/mo
Today · 4.125%
HK$44,740
baseline
▲ 0.50% · 4.625%
HK$47,098
+HK$2,358/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,480/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,056
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,582
−HK$1,550/mo
Today · 4.125%
HK$52,132
baseline
▲ 0.50% · 4.625%
HK$55,304
+HK$3,172/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,264/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,574
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,038
−HK$1,485/mo
Today · 4.125%
HK$57,523
baseline
▲ 0.50% · 4.625%
HK$60,555
+HK$3,032/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,046/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,196 · Scale 2, in force from 26 Feb 2026)