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$27,261
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,109
−HK$861/mo
Today · 4.125%
HK$28,970
baseline
▲ 0.50% · 4.625%
HK$30,733
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,940/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,327
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,141
−HK$825/mo
Today · 4.125%
HK$31,966
baseline
▲ 0.50% · 4.625%
HK$33,651
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,932/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,713
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,730
−HK$1,034/mo
Today · 4.125%
HK$34,764
baseline
▲ 0.50% · 4.625%
HK$36,879
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,528/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,393
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,369
−HK$990/mo
Today · 4.125%
HK$38,359
baseline
▲ 0.50% · 4.625%
HK$40,381
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,718/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,165
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,352
−HK$1,206/mo
Today · 4.125%
HK$40,558
baseline
▲ 0.50% · 4.625%
HK$43,026
+HK$2,468/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,116/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,458
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,597
−HK$1,155/mo
Today · 4.125%
HK$44,752
baseline
▲ 0.50% · 4.625%
HK$47,111
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,504/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,069
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,595
−HK$1,551/mo
Today · 4.125%
HK$52,146
baseline
▲ 0.50% · 4.625%
HK$55,319
+HK$3,173/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,292/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,589
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,053
−HK$1,485/mo
Today · 4.125%
HK$57,538
baseline
▲ 0.50% · 4.625%
HK$60,571
+HK$3,033/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,076/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,315 · Scale 2, in force from 26 Feb 2026)