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$27,252
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,100
−HK$861/mo
Today · 4.125%
HK$28,961
baseline
▲ 0.50% · 4.625%
HK$30,723
+HK$1,762/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,922/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,318
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,131
−HK$825/mo
Today · 4.125%
HK$31,956
baseline
▲ 0.50% · 4.625%
HK$33,640
+HK$1,684/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,912/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,703
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,720
−HK$1,033/mo
Today · 4.125%
HK$34,753
baseline
▲ 0.50% · 4.625%
HK$36,868
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,506/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,381
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,357
−HK$990/mo
Today · 4.125%
HK$38,347
baseline
▲ 0.50% · 4.625%
HK$40,368
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,694/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,153
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,340
−HK$1,206/mo
Today · 4.125%
HK$40,546
baseline
▲ 0.50% · 4.625%
HK$43,013
+HK$2,467/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,092/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,445
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,583
−HK$1,155/mo
Today · 4.125%
HK$44,738
baseline
▲ 0.50% · 4.625%
HK$47,096
+HK$2,358/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,476/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,054
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,580
−HK$1,550/mo
Today · 4.125%
HK$52,130
baseline
▲ 0.50% · 4.625%
HK$55,302
+HK$3,172/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,260/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,572
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,036
−HK$1,484/mo
Today · 4.125%
HK$57,520
baseline
▲ 0.50% · 4.625%
HK$60,552
+HK$3,032/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,040/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,177 · Scale 2, in force from 26 Feb 2026)