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$27,282
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,131
−HK$862/mo
Today · 4.125%
HK$28,993
baseline
▲ 0.50% · 4.625%
HK$30,757
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,986/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,351
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,165
−HK$826/mo
Today · 4.125%
HK$31,991
baseline
▲ 0.50% · 4.625%
HK$33,678
+HK$1,687/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,982/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,739
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,757
−HK$1,035/mo
Today · 4.125%
HK$34,792
baseline
▲ 0.50% · 4.625%
HK$36,909
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,584/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,422
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,399
−HK$990/mo
Today · 4.125%
HK$38,389
baseline
▲ 0.50% · 4.625%
HK$40,413
+HK$2,024/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,778/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,195
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,384
−HK$1,207/mo
Today · 4.125%
HK$40,591
baseline
▲ 0.50% · 4.625%
HK$43,060
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,182/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,492
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,632
−HK$1,156/mo
Today · 4.125%
HK$44,788
baseline
▲ 0.50% · 4.625%
HK$47,149
+HK$2,361/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,576/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,108
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,636
−HK$1,552/mo
Today · 4.125%
HK$52,188
baseline
▲ 0.50% · 4.625%
HK$55,363
+HK$3,175/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,376/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,633
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,098
−HK$1,486/mo
Today · 4.125%
HK$57,584
baseline
▲ 0.50% · 4.625%
HK$60,620
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,168/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,674 · Scale 2, in force from 26 Feb 2026)