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$28,130
−HK$863/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$448,665 · 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$33,677
+HK$1,686/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$448,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,738
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,757
−HK$1,034/mo
Today · 4.125%
HK$34,791
baseline
▲ 0.50% · 4.625%
HK$36,908
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,582/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,421
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,398
−HK$991/mo
Today · 4.125%
HK$38,389
baseline
▲ 0.50% · 4.625%
HK$40,412
+HK$2,023/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$448,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,195
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,383
−HK$1,207/mo
Today · 4.125%
HK$40,590
baseline
▲ 0.50% · 4.625%
HK$43,060
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,180/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,491
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,631
−HK$1,156/mo
Today · 4.125%
HK$44,787
baseline
▲ 0.50% · 4.625%
HK$47,148
+HK$2,361/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,574/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,107
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,635
−HK$1,552/mo
Today · 4.125%
HK$52,187
baseline
▲ 0.50% · 4.625%
HK$55,362
+HK$3,175/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,374/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,631
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,097
−HK$1,486/mo
Today · 4.125%
HK$57,583
baseline
▲ 0.50% · 4.625%
HK$60,618
+HK$3,035/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,166/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,665 · Scale 2, in force from 26 Feb 2026)