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$27,206
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,052
−HK$860/mo
Today · 4.125%
HK$28,912
baseline
▲ 0.50% · 4.625%
HK$30,671
+HK$1,759/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,824/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,266
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,078
−HK$824/mo
Today · 4.125%
HK$31,902
baseline
▲ 0.50% · 4.625%
HK$33,583
+HK$1,681/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,804/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,647
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,663
−HK$1,031/mo
Today · 4.125%
HK$34,694
baseline
▲ 0.50% · 4.625%
HK$36,805
+HK$2,111/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,388/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,320
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,294
−HK$988/mo
Today · 4.125%
HK$38,282
baseline
▲ 0.50% · 4.625%
HK$40,300
+HK$2,018/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,564/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,088
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,273
−HK$1,204/mo
Today · 4.125%
HK$40,477
baseline
▲ 0.50% · 4.625%
HK$42,940
+HK$2,463/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,954/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,373
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,509
−HK$1,153/mo
Today · 4.125%
HK$44,662
baseline
▲ 0.50% · 4.625%
HK$47,016
+HK$2,354/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,324/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,971
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,494
−HK$1,548/mo
Today · 4.125%
HK$52,042
baseline
▲ 0.50% · 4.625%
HK$55,208
+HK$3,166/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,084/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,479
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,940
−HK$1,483/mo
Today · 4.125%
HK$57,423
baseline
▲ 0.50% · 4.625%
HK$60,450
+HK$3,027/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,846/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,416 · Scale 2, in force from 26 Feb 2026)