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$27,250
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,098
−HK$861/mo
Today · 4.125%
HK$28,959
baseline
▲ 0.50% · 4.625%
HK$30,721
+HK$1,762/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,918/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,316
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,129
−HK$825/mo
Today · 4.125%
HK$31,954
baseline
▲ 0.50% · 4.625%
HK$33,638
+HK$1,684/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,908/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,700
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,718
−HK$1,033/mo
Today · 4.125%
HK$34,751
baseline
▲ 0.50% · 4.625%
HK$36,866
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,502/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,379
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,355
−HK$989/mo
Today · 4.125%
HK$38,344
baseline
▲ 0.50% · 4.625%
HK$40,366
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,688/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,151
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,337
−HK$1,206/mo
Today · 4.125%
HK$40,543
baseline
▲ 0.50% · 4.625%
HK$43,010
+HK$2,467/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,086/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,442
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,580
−HK$1,155/mo
Today · 4.125%
HK$44,735
baseline
▲ 0.50% · 4.625%
HK$47,093
+HK$2,358/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,470/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,051
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,576
−HK$1,551/mo
Today · 4.125%
HK$52,127
baseline
▲ 0.50% · 4.625%
HK$55,298
+HK$3,171/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,254/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,568
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,032
−HK$1,485/mo
Today · 4.125%
HK$57,517
baseline
▲ 0.50% · 4.625%
HK$60,548
+HK$3,031/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,034/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,147 · Scale 2, in force from 26 Feb 2026)