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$27,223
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,069
−HK$861/mo
Today · 4.125%
HK$28,930
baseline
▲ 0.50% · 4.625%
HK$30,690
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,860/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,285
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,097
−HK$824/mo
Today · 4.125%
HK$31,921
baseline
▲ 0.50% · 4.625%
HK$33,604
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,842/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,667
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,683
−HK$1,033/mo
Today · 4.125%
HK$34,716
baseline
▲ 0.50% · 4.625%
HK$36,828
+HK$2,112/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$69,432/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,342
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,317
−HK$988/mo
Today · 4.125%
HK$38,305
baseline
▲ 0.50% · 4.625%
HK$40,325
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$76,610/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,112
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,297
−HK$1,205/mo
Today · 4.125%
HK$40,502
baseline
▲ 0.50% · 4.625%
HK$42,966
+HK$2,464/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,004/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,399
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,536
−HK$1,154/mo
Today · 4.125%
HK$44,690
baseline
▲ 0.50% · 4.625%
HK$47,045
+HK$2,355/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,380/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,001
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,525
−HK$1,549/mo
Today · 4.125%
HK$52,074
baseline
▲ 0.50% · 4.625%
HK$55,242
+HK$3,168/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,148/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,513
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,975
−HK$1,483/mo
Today · 4.125%
HK$57,458
baseline
▲ 0.50% · 4.625%
HK$60,487
+HK$3,029/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,916/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,692 · Scale 2, in force from 26 Feb 2026)