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$27,173
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,018
−HK$859/mo
Today · 4.125%
HK$28,877
baseline
▲ 0.50% · 4.625%
HK$30,634
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,754/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,230
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,040
−HK$823/mo
Today · 4.125%
HK$31,863
baseline
▲ 0.50% · 4.625%
HK$33,542
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,726/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,608
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,622
−HK$1,030/mo
Today · 4.125%
HK$34,652
baseline
▲ 0.50% · 4.625%
HK$36,761
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,304/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,276
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,249
−HK$986/mo
Today · 4.125%
HK$38,235
baseline
▲ 0.50% · 4.625%
HK$40,251
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,470/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,042
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,226
−HK$1,202/mo
Today · 4.125%
HK$40,428
baseline
▲ 0.50% · 4.625%
HK$42,888
+HK$2,460/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,856/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,322
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,457
−HK$1,151/mo
Today · 4.125%
HK$44,608
baseline
▲ 0.50% · 4.625%
HK$46,959
+HK$2,351/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,216/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,911
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,433
−HK$1,546/mo
Today · 4.125%
HK$51,979
baseline
▲ 0.50% · 4.625%
HK$55,141
+HK$3,162/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,958/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,413
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,873
−HK$1,480/mo
Today · 4.125%
HK$57,353
baseline
▲ 0.50% · 4.625%
HK$60,376
+HK$3,023/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,706/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,874 · Scale 2, in force from 26 Feb 2026)