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$27,263
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,112
−HK$861/mo
Today · 4.125%
HK$28,973
baseline
▲ 0.50% · 4.625%
HK$30,736
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,946/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,330
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,144
−HK$825/mo
Today · 4.125%
HK$31,969
baseline
▲ 0.50% · 4.625%
HK$33,654
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,938/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,716
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,734
−HK$1,034/mo
Today · 4.125%
HK$34,768
baseline
▲ 0.50% · 4.625%
HK$36,883
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,536/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,396
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,373
−HK$990/mo
Today · 4.125%
HK$38,363
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,022/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,726/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,169
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,356
−HK$1,206/mo
Today · 4.125%
HK$40,562
baseline
▲ 0.50% · 4.625%
HK$43,031
+HK$2,469/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,124/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,462
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,601
−HK$1,156/mo
Today · 4.125%
HK$44,757
baseline
▲ 0.50% · 4.625%
HK$47,116
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,514/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,074
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,601
−HK$1,551/mo
Today · 4.125%
HK$52,152
baseline
▲ 0.50% · 4.625%
HK$55,325
+HK$3,173/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,304/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,595
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,059
−HK$1,485/mo
Today · 4.125%
HK$57,544
baseline
▲ 0.50% · 4.625%
HK$60,577
+HK$3,033/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,088/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,363 · Scale 2, in force from 26 Feb 2026)