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$27,244
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,092
−HK$861/mo
Today · 4.125%
HK$28,953
baseline
▲ 0.50% · 4.625%
HK$30,714
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,906/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,309
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,122
−HK$824/mo
Today · 4.125%
HK$31,946
baseline
▲ 0.50% · 4.625%
HK$33,630
+HK$1,684/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,892/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,693
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,710
−HK$1,033/mo
Today · 4.125%
HK$34,743
baseline
▲ 0.50% · 4.625%
HK$36,857
+HK$2,114/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,486/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,371
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,346
−HK$990/mo
Today · 4.125%
HK$38,336
baseline
▲ 0.50% · 4.625%
HK$40,356
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,672/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,142
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,328
−HK$1,206/mo
Today · 4.125%
HK$40,534
baseline
▲ 0.50% · 4.625%
HK$43,000
+HK$2,466/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,068/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,433
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,571
−HK$1,154/mo
Today · 4.125%
HK$44,725
baseline
▲ 0.50% · 4.625%
HK$47,083
+HK$2,358/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,450/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,040
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,565
−HK$1,550/mo
Today · 4.125%
HK$52,115
baseline
▲ 0.50% · 4.625%
HK$55,286
+HK$3,171/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,230/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,556
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,019
−HK$1,485/mo
Today · 4.125%
HK$57,504
baseline
▲ 0.50% · 4.625%
HK$60,535
+HK$3,031/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$115,008/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,046 · Scale 2, in force from 26 Feb 2026)