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$27,266
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,114
−HK$861/mo
Today · 4.125%
HK$28,975
baseline
▲ 0.50% · 4.625%
HK$30,738
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,950/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,333
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,146
−HK$825/mo
Today · 4.125%
HK$31,971
baseline
▲ 0.50% · 4.625%
HK$33,657
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,942/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,719
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,736
−HK$1,034/mo
Today · 4.125%
HK$34,770
baseline
▲ 0.50% · 4.625%
HK$36,886
+HK$2,116/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,540/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,399
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,375
−HK$991/mo
Today · 4.125%
HK$38,366
baseline
▲ 0.50% · 4.625%
HK$40,388
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,732/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,172
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,359
−HK$1,206/mo
Today · 4.125%
HK$40,565
baseline
▲ 0.50% · 4.625%
HK$43,034
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,130/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,466
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,605
−HK$1,155/mo
Today · 4.125%
HK$44,760
baseline
▲ 0.50% · 4.625%
HK$47,119
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,520/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,078
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,605
−HK$1,551/mo
Today · 4.125%
HK$52,156
baseline
▲ 0.50% · 4.625%
HK$55,329
+HK$3,173/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,312/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,599
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,063
−HK$1,485/mo
Today · 4.125%
HK$57,548
baseline
▲ 0.50% · 4.625%
HK$60,582
+HK$3,034/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,096/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,396 · Scale 2, in force from 26 Feb 2026)