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$27,291
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,140
−HK$863/mo
Today · 4.125%
HK$29,003
baseline
▲ 0.50% · 4.625%
HK$30,767
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$58,006/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,361
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,175
−HK$827/mo
Today · 4.125%
HK$32,002
baseline
▲ 0.50% · 4.625%
HK$33,688
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$64,004/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,749
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,768
−HK$1,035/mo
Today · 4.125%
HK$34,803
baseline
▲ 0.50% · 4.625%
HK$36,921
+HK$2,118/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,606/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,433
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,411
−HK$991/mo
Today · 4.125%
HK$38,402
baseline
▲ 0.50% · 4.625%
HK$40,426
+HK$2,024/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,804/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,208
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,396
−HK$1,208/mo
Today · 4.125%
HK$40,604
baseline
▲ 0.50% · 4.625%
HK$43,074
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,208/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,506
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,646
−HK$1,156/mo
Today · 4.125%
HK$44,802
baseline
▲ 0.50% · 4.625%
HK$47,164
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,604/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,124
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,652
−HK$1,553/mo
Today · 4.125%
HK$52,205
baseline
▲ 0.50% · 4.625%
HK$55,381
+HK$3,176/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,410/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,650
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,116
−HK$1,487/mo
Today · 4.125%
HK$57,603
baseline
▲ 0.50% · 4.625%
HK$60,639
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,206/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,819 · Scale 2, in force from 26 Feb 2026)