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$27,249
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,096
−HK$861/mo
Today · 4.125%
HK$28,957
baseline
▲ 0.50% · 4.625%
HK$30,719
+HK$1,762/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,914/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,314
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,127
−HK$825/mo
Today · 4.125%
HK$31,952
baseline
▲ 0.50% · 4.625%
HK$33,636
+HK$1,684/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,904/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,698
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,716
−HK$1,033/mo
Today · 4.125%
HK$34,749
baseline
▲ 0.50% · 4.625%
HK$36,863
+HK$2,114/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,498/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,377
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,352
−HK$990/mo
Today · 4.125%
HK$38,342
baseline
▲ 0.50% · 4.625%
HK$40,363
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,684/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,148
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,335
−HK$1,205/mo
Today · 4.125%
HK$40,540
baseline
▲ 0.50% · 4.625%
HK$43,007
+HK$2,467/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,080/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,440
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,578
−HK$1,154/mo
Today · 4.125%
HK$44,732
baseline
▲ 0.50% · 4.625%
HK$47,090
+HK$2,358/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,464/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,048
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,573
−HK$1,550/mo
Today · 4.125%
HK$52,123
baseline
▲ 0.50% · 4.625%
HK$55,295
+HK$3,172/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,246/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,565
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,029
−HK$1,484/mo
Today · 4.125%
HK$57,513
baseline
▲ 0.50% · 4.625%
HK$60,545
+HK$3,032/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$115,026/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,120 · Scale 2, in force from 26 Feb 2026)