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$27,259
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,107
−HK$861/mo
Today · 4.125%
HK$28,968
baseline
▲ 0.50% · 4.625%
HK$30,731
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,936/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,325
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,139
−HK$825/mo
Today · 4.125%
HK$31,964
baseline
▲ 0.50% · 4.625%
HK$33,649
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,928/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,711
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,728
−HK$1,034/mo
Today · 4.125%
HK$34,762
baseline
▲ 0.50% · 4.625%
HK$36,877
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,524/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,390
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,366
−HK$991/mo
Today · 4.125%
HK$38,357
baseline
▲ 0.50% · 4.625%
HK$40,378
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,714/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,163
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,350
−HK$1,206/mo
Today · 4.125%
HK$40,556
baseline
▲ 0.50% · 4.625%
HK$43,024
+HK$2,468/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,112/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,456
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,594
−HK$1,155/mo
Today · 4.125%
HK$44,749
baseline
▲ 0.50% · 4.625%
HK$47,108
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,498/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,066
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,593
−HK$1,550/mo
Today · 4.125%
HK$52,143
baseline
▲ 0.50% · 4.625%
HK$55,316
+HK$3,173/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,286/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,586
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,050
−HK$1,485/mo
Today · 4.125%
HK$57,535
baseline
▲ 0.50% · 4.625%
HK$60,568
+HK$3,033/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,070/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,290 · Scale 2, in force from 26 Feb 2026)