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$1,711/mo
▼ 0.25% · 3.875%
HK$28,140
−HK$862/mo
Today · 4.125%
HK$29,002
baseline
▲ 0.50% · 4.625%
HK$30,767
+HK$1,765/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$58,004/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,361
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,175
−HK$826/mo
Today · 4.125%
HK$32,001
baseline
▲ 0.50% · 4.625%
HK$33,688
+HK$1,687/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$64,002/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,749
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,767
−HK$1,035/mo
Today · 4.125%
HK$34,802
baseline
▲ 0.50% · 4.625%
HK$36,920
+HK$2,118/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,604/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,433
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,410
−HK$991/mo
Today · 4.125%
HK$38,401
baseline
▲ 0.50% · 4.625%
HK$40,425
+HK$2,024/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,802/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,207
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,395
−HK$1,208/mo
Today · 4.125%
HK$40,603
baseline
▲ 0.50% · 4.625%
HK$43,073
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,206/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,505
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,645
−HK$1,156/mo
Today · 4.125%
HK$44,801
baseline
▲ 0.50% · 4.625%
HK$47,163
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,602/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,123
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,651
−HK$1,553/mo
Today · 4.125%
HK$52,204
baseline
▲ 0.50% · 4.625%
HK$55,380
+HK$3,176/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,408/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,649
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,115
−HK$1,487/mo
Today · 4.125%
HK$57,602
baseline
▲ 0.50% · 4.625%
HK$60,638
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,204/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,810 · Scale 2, in force from 26 Feb 2026)