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$27,275
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,124
−HK$862/mo
Today · 4.125%
HK$28,986
baseline
▲ 0.50% · 4.625%
HK$30,749
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,972/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,344
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,157
−HK$826/mo
Today · 4.125%
HK$31,983
baseline
▲ 0.50% · 4.625%
HK$33,669
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,966/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,730
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,748
−HK$1,035/mo
Today · 4.125%
HK$34,783
baseline
▲ 0.50% · 4.625%
HK$36,899
+HK$2,116/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$69,566/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,412
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,389
−HK$990/mo
Today · 4.125%
HK$38,379
baseline
▲ 0.50% · 4.625%
HK$40,403
+HK$2,024/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$76,758/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,185
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,373
−HK$1,207/mo
Today · 4.125%
HK$40,580
baseline
▲ 0.50% · 4.625%
HK$43,049
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,160/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,481
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,620
−HK$1,156/mo
Today · 4.125%
HK$44,776
baseline
▲ 0.50% · 4.625%
HK$47,136
+HK$2,360/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,552/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,096
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,623
−HK$1,551/mo
Today · 4.125%
HK$52,174
baseline
▲ 0.50% · 4.625%
HK$55,349
+HK$3,175/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,348/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,618
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,083
−HK$1,486/mo
Today · 4.125%
HK$57,569
baseline
▲ 0.50% · 4.625%
HK$60,604
+HK$3,035/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,138/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,557 · Scale 2, in force from 26 Feb 2026)