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$27,286
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,135
−HK$862/mo
Today · 4.125%
HK$28,997
baseline
▲ 0.50% · 4.625%
HK$30,762
+HK$1,765/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,994/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,356
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,170
−HK$826/mo
Today · 4.125%
HK$31,996
baseline
▲ 0.50% · 4.625%
HK$33,682
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,992/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,744
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,762
−HK$1,035/mo
Today · 4.125%
HK$34,797
baseline
▲ 0.50% · 4.625%
HK$36,914
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,594/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,427
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,404
−HK$991/mo
Today · 4.125%
HK$38,395
baseline
▲ 0.50% · 4.625%
HK$40,419
+HK$2,024/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,790/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,201
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,389
−HK$1,207/mo
Today · 4.125%
HK$40,596
baseline
▲ 0.50% · 4.625%
HK$43,066
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,192/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,498
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,638
−HK$1,156/mo
Today · 4.125%
HK$44,794
baseline
▲ 0.50% · 4.625%
HK$47,155
+HK$2,361/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,588/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,115
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,643
−HK$1,552/mo
Today · 4.125%
HK$52,195
baseline
▲ 0.50% · 4.625%
HK$55,371
+HK$3,176/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,390/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,640
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,106
−HK$1,486/mo
Today · 4.125%
HK$57,592
baseline
▲ 0.50% · 4.625%
HK$60,628
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,184/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,737 · Scale 2, in force from 26 Feb 2026)