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$27,266
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,114
−HK$862/mo
Today · 4.125%
HK$28,976
baseline
▲ 0.50% · 4.625%
HK$30,739
+HK$1,763/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,952/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,333
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,147
−HK$825/mo
Today · 4.125%
HK$31,972
baseline
▲ 0.50% · 4.625%
HK$33,657
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,944/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,719
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,737
−HK$1,034/mo
Today · 4.125%
HK$34,771
baseline
▲ 0.50% · 4.625%
HK$36,887
+HK$2,116/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,542/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,400
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,376
−HK$990/mo
Today · 4.125%
HK$38,366
baseline
▲ 0.50% · 4.625%
HK$40,389
+HK$2,023/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,732/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,172
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,360
−HK$1,206/mo
Today · 4.125%
HK$40,566
baseline
▲ 0.50% · 4.625%
HK$43,034
+HK$2,468/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,132/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,466
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,605
−HK$1,156/mo
Today · 4.125%
HK$44,761
baseline
▲ 0.50% · 4.625%
HK$47,120
+HK$2,359/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,522/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,079
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,605
−HK$1,551/mo
Today · 4.125%
HK$52,156
baseline
▲ 0.50% · 4.625%
HK$55,330
+HK$3,174/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,312/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,600
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,064
−HK$1,485/mo
Today · 4.125%
HK$57,549
baseline
▲ 0.50% · 4.625%
HK$60,583
+HK$3,034/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,098/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,403 · Scale 2, in force from 26 Feb 2026)