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$27,269
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,117
−HK$862/mo
Today · 4.125%
HK$28,979
baseline
▲ 0.50% · 4.625%
HK$30,742
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,958/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,337
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,150
−HK$826/mo
Today · 4.125%
HK$31,976
baseline
▲ 0.50% · 4.625%
HK$33,661
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,952/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,723
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,741
−HK$1,034/mo
Today · 4.125%
HK$34,775
baseline
▲ 0.50% · 4.625%
HK$36,891
+HK$2,116/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$69,550/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,404
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,380
−HK$991/mo
Today · 4.125%
HK$38,371
baseline
▲ 0.50% · 4.625%
HK$40,393
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$76,742/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,177
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,364
−HK$1,207/mo
Today · 4.125%
HK$40,571
baseline
▲ 0.50% · 4.625%
HK$43,039
+HK$2,468/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,142/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,471
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,610
−HK$1,156/mo
Today · 4.125%
HK$44,766
baseline
▲ 0.50% · 4.625%
HK$47,125
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,532/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,084
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,611
−HK$1,551/mo
Today · 4.125%
HK$52,162
baseline
▲ 0.50% · 4.625%
HK$55,336
+HK$3,174/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,324/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,606
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,070
−HK$1,486/mo
Today · 4.125%
HK$57,556
baseline
▲ 0.50% · 4.625%
HK$60,590
+HK$3,034/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,112/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,454 · Scale 2, in force from 26 Feb 2026)