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$27,233
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,080
−HK$861/mo
Today · 4.125%
HK$28,941
baseline
▲ 0.50% · 4.625%
HK$30,702
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,882/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,296
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,109
−HK$824/mo
Today · 4.125%
HK$31,933
baseline
▲ 0.50% · 4.625%
HK$33,616
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,866/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,679
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,696
−HK$1,033/mo
Today · 4.125%
HK$34,729
baseline
▲ 0.50% · 4.625%
HK$36,842
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,458/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,356
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,331
−HK$989/mo
Today · 4.125%
HK$38,320
baseline
▲ 0.50% · 4.625%
HK$40,340
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,640/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,126
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,312
−HK$1,205/mo
Today · 4.125%
HK$40,517
baseline
▲ 0.50% · 4.625%
HK$42,982
+HK$2,465/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,034/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,415
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,552
−HK$1,154/mo
Today · 4.125%
HK$44,706
baseline
▲ 0.50% · 4.625%
HK$47,063
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,412/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,019
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,544
−HK$1,549/mo
Today · 4.125%
HK$52,093
baseline
▲ 0.50% · 4.625%
HK$55,263
+HK$3,170/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,186/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,533
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$55,996
−HK$1,484/mo
Today · 4.125%
HK$57,480
baseline
▲ 0.50% · 4.625%
HK$60,509
+HK$3,029/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,960/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,859 · Scale 2, in force from 26 Feb 2026)