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$27,220
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,066
−HK$861/mo
Today · 4.125%
HK$28,927
baseline
▲ 0.50% · 4.625%
HK$30,687
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,854/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,282
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,094
−HK$824/mo
Today · 4.125%
HK$31,918
baseline
▲ 0.50% · 4.625%
HK$33,600
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,836/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,664
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,680
−HK$1,032/mo
Today · 4.125%
HK$34,712
baseline
▲ 0.50% · 4.625%
HK$36,824
+HK$2,112/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,424/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,338
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,313
−HK$988/mo
Today · 4.125%
HK$38,301
baseline
▲ 0.50% · 4.625%
HK$40,320
+HK$2,019/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,602/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,108
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,293
−HK$1,204/mo
Today · 4.125%
HK$40,497
baseline
▲ 0.50% · 4.625%
HK$42,962
+HK$2,465/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$80,994/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,394
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,531
−HK$1,154/mo
Today · 4.125%
HK$44,685
baseline
▲ 0.50% · 4.625%
HK$47,040
+HK$2,355/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,370/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,996
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,520
−HK$1,548/mo
Today · 4.125%
HK$52,068
baseline
▲ 0.50% · 4.625%
HK$55,236
+HK$3,168/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,136/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,507
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,969
−HK$1,483/mo
Today · 4.125%
HK$57,452
baseline
▲ 0.50% · 4.625%
HK$60,480
+HK$3,028/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,904/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,644 · Scale 2, in force from 26 Feb 2026)