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$27,199
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,045
−HK$859/mo
Today · 4.125%
HK$28,904
baseline
▲ 0.50% · 4.625%
HK$30,663
+HK$1,759/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,808/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,258
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,070
−HK$823/mo
Today · 4.125%
HK$31,893
baseline
▲ 0.50% · 4.625%
HK$33,574
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,786/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,638
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,654
−HK$1,031/mo
Today · 4.125%
HK$34,685
baseline
▲ 0.50% · 4.625%
HK$36,796
+HK$2,111/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,370/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,310
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,284
−HK$988/mo
Today · 4.125%
HK$38,272
baseline
▲ 0.50% · 4.625%
HK$40,289
+HK$2,017/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,544/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,078
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,262
−HK$1,204/mo
Today · 4.125%
HK$40,466
baseline
▲ 0.50% · 4.625%
HK$42,928
+HK$2,462/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,932/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,361
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,498
−HK$1,152/mo
Today · 4.125%
HK$44,650
baseline
▲ 0.50% · 4.625%
HK$47,004
+HK$2,354/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,300/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,957
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,480
−HK$1,548/mo
Today · 4.125%
HK$52,028
baseline
▲ 0.50% · 4.625%
HK$55,193
+HK$3,165/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,056/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,465
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,925
−HK$1,482/mo
Today · 4.125%
HK$57,407
baseline
▲ 0.50% · 4.625%
HK$60,433
+HK$3,026/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,814/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,296 · Scale 2, in force from 26 Feb 2026)