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$27,270
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,119
−HK$861/mo
Today · 4.125%
HK$28,980
baseline
▲ 0.50% · 4.625%
HK$30,744
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,960/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,338
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,152
−HK$825/mo
Today · 4.125%
HK$31,977
baseline
▲ 0.50% · 4.625%
HK$33,662
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,954/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,724
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,742
−HK$1,034/mo
Today · 4.125%
HK$34,776
baseline
▲ 0.50% · 4.625%
HK$36,892
+HK$2,116/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$69,552/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,405
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,382
−HK$990/mo
Today · 4.125%
HK$38,372
baseline
▲ 0.50% · 4.625%
HK$40,395
+HK$2,023/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$76,744/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,178
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,366
−HK$1,206/mo
Today · 4.125%
HK$40,572
baseline
▲ 0.50% · 4.625%
HK$43,041
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,144/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,473
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,612
−HK$1,156/mo
Today · 4.125%
HK$44,768
baseline
▲ 0.50% · 4.625%
HK$47,127
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,536/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,086
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,613
−HK$1,552/mo
Today · 4.125%
HK$52,165
baseline
▲ 0.50% · 4.625%
HK$55,339
+HK$3,174/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,330/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,608
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,073
−HK$1,485/mo
Today · 4.125%
HK$57,558
baseline
▲ 0.50% · 4.625%
HK$60,592
+HK$3,034/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,116/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,474 · Scale 2, in force from 26 Feb 2026)