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$27,175
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,020
−HK$859/mo
Today · 4.125%
HK$28,879
baseline
▲ 0.50% · 4.625%
HK$30,636
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,758/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,231
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,042
−HK$823/mo
Today · 4.125%
HK$31,865
baseline
▲ 0.50% · 4.625%
HK$33,544
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,730/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,610
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,624
−HK$1,030/mo
Today · 4.125%
HK$34,654
baseline
▲ 0.50% · 4.625%
HK$36,763
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,308/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,278
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,251
−HK$987/mo
Today · 4.125%
HK$38,238
baseline
▲ 0.50% · 4.625%
HK$40,253
+HK$2,015/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,476/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,044
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,228
−HK$1,202/mo
Today · 4.125%
HK$40,430
baseline
▲ 0.50% · 4.625%
HK$42,890
+HK$2,460/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,860/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,324
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,459
−HK$1,152/mo
Today · 4.125%
HK$44,611
baseline
▲ 0.50% · 4.625%
HK$46,962
+HK$2,351/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,222/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,914
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,436
−HK$1,546/mo
Today · 4.125%
HK$51,982
baseline
▲ 0.50% · 4.625%
HK$55,145
+HK$3,163/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,964/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,417
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,876
−HK$1,481/mo
Today · 4.125%
HK$57,357
baseline
▲ 0.50% · 4.625%
HK$60,380
+HK$3,023/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,714/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,901 · Scale 2, in force from 26 Feb 2026)