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$27,285
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,133
−HK$863/mo
Today · 4.125%
HK$28,996
baseline
▲ 0.50% · 4.625%
HK$30,760
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,992/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,354
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,168
−HK$826/mo
Today · 4.125%
HK$31,994
baseline
▲ 0.50% · 4.625%
HK$33,680
+HK$1,686/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,988/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,742
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,760
−HK$1,035/mo
Today · 4.125%
HK$34,795
baseline
▲ 0.50% · 4.625%
HK$36,912
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,590/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,425
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,402
−HK$991/mo
Today · 4.125%
HK$38,393
baseline
▲ 0.50% · 4.625%
HK$40,417
+HK$2,024/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,786/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,199
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,387
−HK$1,207/mo
Today · 4.125%
HK$40,594
baseline
▲ 0.50% · 4.625%
HK$43,064
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,188/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,496
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,635
−HK$1,157/mo
Today · 4.125%
HK$44,792
baseline
▲ 0.50% · 4.625%
HK$47,153
+HK$2,361/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,584/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,113
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,640
−HK$1,552/mo
Today · 4.125%
HK$52,192
baseline
▲ 0.50% · 4.625%
HK$55,368
+HK$3,176/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,384/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,637
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,103
−HK$1,486/mo
Today · 4.125%
HK$57,589
baseline
▲ 0.50% · 4.625%
HK$60,625
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,178/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,713 · Scale 2, in force from 26 Feb 2026)