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$27,270
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,118
−HK$862/mo
Today · 4.125%
HK$28,980
baseline
▲ 0.50% · 4.625%
HK$30,743
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,960/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,337
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,151
−HK$825/mo
Today · 4.125%
HK$31,976
baseline
▲ 0.50% · 4.625%
HK$33,662
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,952/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,724
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,742
−HK$1,034/mo
Today · 4.125%
HK$34,776
baseline
▲ 0.50% · 4.625%
HK$36,892
+HK$2,116/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$69,552/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,405
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,381
−HK$991/mo
Today · 4.125%
HK$38,372
baseline
▲ 0.50% · 4.625%
HK$40,394
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.18M · min. income ≈ HK$76,744/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,178
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,365
−HK$1,207/mo
Today · 4.125%
HK$40,572
baseline
▲ 0.50% · 4.625%
HK$43,040
+HK$2,468/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,144/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,472
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,611
−HK$1,156/mo
Today · 4.125%
HK$44,767
baseline
▲ 0.50% · 4.625%
HK$47,127
+HK$2,360/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,534/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,085
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,612
−HK$1,552/mo
Today · 4.125%
HK$52,164
baseline
▲ 0.50% · 4.625%
HK$55,338
+HK$3,174/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,328/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,607
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,072
−HK$1,485/mo
Today · 4.125%
HK$57,557
baseline
▲ 0.50% · 4.625%
HK$60,591
+HK$3,034/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,114/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,465 · Scale 2, in force from 26 Feb 2026)