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$27,272
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,120
−HK$862/mo
Today · 4.125%
HK$28,982
baseline
▲ 0.50% · 4.625%
HK$30,746
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,964/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,340
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,153
−HK$826/mo
Today · 4.125%
HK$31,979
baseline
▲ 0.50% · 4.625%
HK$33,665
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,958/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,726
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,744
−HK$1,034/mo
Today · 4.125%
HK$34,778
baseline
▲ 0.50% · 4.625%
HK$36,895
+HK$2,117/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$69,556/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,408
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,384
−HK$991/mo
Today · 4.125%
HK$38,375
baseline
▲ 0.50% · 4.625%
HK$40,397
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$76,750/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,181
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,368
−HK$1,207/mo
Today · 4.125%
HK$40,575
baseline
▲ 0.50% · 4.625%
HK$43,044
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,150/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,476
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,615
−HK$1,155/mo
Today · 4.125%
HK$44,770
baseline
▲ 0.50% · 4.625%
HK$47,130
+HK$2,360/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,540/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,089
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,616
−HK$1,552/mo
Today · 4.125%
HK$52,168
baseline
▲ 0.50% · 4.625%
HK$55,342
+HK$3,174/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,336/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,611
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,076
−HK$1,486/mo
Today · 4.125%
HK$57,562
baseline
▲ 0.50% · 4.625%
HK$60,596
+HK$3,034/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,124/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,501 · Scale 2, in force from 26 Feb 2026)