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$27,232
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,079
−HK$860/mo
Today · 4.125%
HK$28,939
baseline
▲ 0.50% · 4.625%
HK$30,700
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,878/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,295
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,107
−HK$825/mo
Today · 4.125%
HK$31,932
baseline
▲ 0.50% · 4.625%
HK$33,615
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,864/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,678
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,694
−HK$1,033/mo
Today · 4.125%
HK$34,727
baseline
▲ 0.50% · 4.625%
HK$36,840
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,454/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,354
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,329
−HK$989/mo
Today · 4.125%
HK$38,318
baseline
▲ 0.50% · 4.625%
HK$40,338
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,636/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,124
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,310
−HK$1,205/mo
Today · 4.125%
HK$40,515
baseline
▲ 0.50% · 4.625%
HK$42,980
+HK$2,465/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,030/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,413
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,550
−HK$1,154/mo
Today · 4.125%
HK$44,704
baseline
▲ 0.50% · 4.625%
HK$47,061
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,408/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,017
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,541
−HK$1,550/mo
Today · 4.125%
HK$52,091
baseline
▲ 0.50% · 4.625%
HK$55,260
+HK$3,169/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,182/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,531
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,993
−HK$1,484/mo
Today · 4.125%
HK$57,477
baseline
▲ 0.50% · 4.625%
HK$60,506
+HK$3,029/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,954/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,837 · Scale 2, in force from 26 Feb 2026)