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$27,263
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,111
−HK$862/mo
Today · 4.125%
HK$28,973
baseline
▲ 0.50% · 4.625%
HK$30,736
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,946/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,330
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,143
−HK$825/mo
Today · 4.125%
HK$31,968
baseline
▲ 0.50% · 4.625%
HK$33,654
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,936/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,716
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,733
−HK$1,034/mo
Today · 4.125%
HK$34,767
baseline
▲ 0.50% · 4.625%
HK$36,883
+HK$2,116/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,534/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,396
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,372
−HK$990/mo
Today · 4.125%
HK$38,362
baseline
▲ 0.50% · 4.625%
HK$40,384
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,724/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,168
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,356
−HK$1,206/mo
Today · 4.125%
HK$40,562
baseline
▲ 0.50% · 4.625%
HK$43,030
+HK$2,468/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,124/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,462
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,601
−HK$1,155/mo
Today · 4.125%
HK$44,756
baseline
▲ 0.50% · 4.625%
HK$47,115
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,512/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,073
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,600
−HK$1,551/mo
Today · 4.125%
HK$52,151
baseline
▲ 0.50% · 4.625%
HK$55,324
+HK$3,173/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,302/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,594
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,058
−HK$1,485/mo
Today · 4.125%
HK$57,543
baseline
▲ 0.50% · 4.625%
HK$60,576
+HK$3,033/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,086/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,355 · Scale 2, in force from 26 Feb 2026)