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$27,254
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,102
−HK$862/mo
Today · 4.125%
HK$28,964
baseline
▲ 0.50% · 4.625%
HK$30,726
+HK$1,762/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,928/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,320
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,133
−HK$825/mo
Today · 4.125%
HK$31,958
baseline
▲ 0.50% · 4.625%
HK$33,643
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,916/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,705
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,723
−HK$1,033/mo
Today · 4.125%
HK$34,756
baseline
▲ 0.50% · 4.625%
HK$36,871
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,512/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,384
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,360
−HK$990/mo
Today · 4.125%
HK$38,350
baseline
▲ 0.50% · 4.625%
HK$40,372
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,700/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,156
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,343
−HK$1,206/mo
Today · 4.125%
HK$40,549
baseline
▲ 0.50% · 4.625%
HK$43,016
+HK$2,467/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,098/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,448
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,587
−HK$1,155/mo
Today · 4.125%
HK$44,742
baseline
▲ 0.50% · 4.625%
HK$47,100
+HK$2,358/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,484/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,058
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,584
−HK$1,550/mo
Today · 4.125%
HK$52,134
baseline
▲ 0.50% · 4.625%
HK$55,307
+HK$3,173/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,268/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,576
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,040
−HK$1,485/mo
Today · 4.125%
HK$57,525
baseline
▲ 0.50% · 4.625%
HK$60,557
+HK$3,032/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,050/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,214 · Scale 2, in force from 26 Feb 2026)