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$27,279
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,128
−HK$862/mo
Today · 4.125%
HK$28,990
baseline
▲ 0.50% · 4.625%
HK$30,754
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,980/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,348
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,162
−HK$826/mo
Today · 4.125%
HK$31,988
baseline
▲ 0.50% · 4.625%
HK$33,674
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,976/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,735
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,754
−HK$1,034/mo
Today · 4.125%
HK$34,788
baseline
▲ 0.50% · 4.625%
HK$36,905
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,576/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,418
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,395
−HK$990/mo
Today · 4.125%
HK$38,385
baseline
▲ 0.50% · 4.625%
HK$40,409
+HK$2,024/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,770/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,191
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,379
−HK$1,207/mo
Today · 4.125%
HK$40,586
baseline
▲ 0.50% · 4.625%
HK$43,056
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,172/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,487
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,627
−HK$1,156/mo
Today · 4.125%
HK$44,783
baseline
▲ 0.50% · 4.625%
HK$47,143
+HK$2,360/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,566/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,103
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,630
−HK$1,552/mo
Today · 4.125%
HK$52,182
baseline
▲ 0.50% · 4.625%
HK$55,357
+HK$3,175/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,364/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,627
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,092
−HK$1,486/mo
Today · 4.125%
HK$57,578
baseline
▲ 0.50% · 4.625%
HK$60,613
+HK$3,035/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,156/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,626 · Scale 2, in force from 26 Feb 2026)