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$27,291
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,140
−HK$862/mo
Today · 4.125%
HK$29,002
baseline
▲ 0.50% · 4.625%
HK$30,767
+HK$1,765/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$58,004/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,361
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,175
−HK$826/mo
Today · 4.125%
HK$32,001
baseline
▲ 0.50% · 4.625%
HK$33,688
+HK$1,687/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$64,002/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,749
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,768
−HK$1,035/mo
Today · 4.125%
HK$34,803
baseline
▲ 0.50% · 4.625%
HK$36,920
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,606/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,433
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,410
−HK$991/mo
Today · 4.125%
HK$38,401
baseline
▲ 0.50% · 4.625%
HK$40,426
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,802/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,207
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,396
−HK$1,207/mo
Today · 4.125%
HK$40,603
baseline
▲ 0.50% · 4.625%
HK$43,074
+HK$2,471/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,206/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,505
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,645
−HK$1,157/mo
Today · 4.125%
HK$44,802
baseline
▲ 0.50% · 4.625%
HK$47,163
+HK$2,361/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,604/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,124
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,652
−HK$1,552/mo
Today · 4.125%
HK$52,204
baseline
▲ 0.50% · 4.625%
HK$55,381
+HK$3,177/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,408/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,650
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,115
−HK$1,487/mo
Today · 4.125%
HK$57,602
baseline
▲ 0.50% · 4.625%
HK$60,638
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,204/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,814 · Scale 2, in force from 26 Feb 2026)