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$27,241
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,089
−HK$860/mo
Today · 4.125%
HK$28,949
baseline
▲ 0.50% · 4.625%
HK$30,711
+HK$1,762/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,898/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,306
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,118
−HK$825/mo
Today · 4.125%
HK$31,943
baseline
▲ 0.50% · 4.625%
HK$33,627
+HK$1,684/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,886/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,689
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,706
−HK$1,033/mo
Today · 4.125%
HK$34,739
baseline
▲ 0.50% · 4.625%
HK$36,853
+HK$2,114/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,478/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,367
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$989/mo
Today · 4.125%
HK$38,331
baseline
▲ 0.50% · 4.625%
HK$40,352
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,662/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,138
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,324
−HK$1,205/mo
Today · 4.125%
HK$40,529
baseline
▲ 0.50% · 4.625%
HK$42,995
+HK$2,466/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,058/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,428
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,566
−HK$1,154/mo
Today · 4.125%
HK$44,720
baseline
▲ 0.50% · 4.625%
HK$47,077
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,440/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,034
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,559
−HK$1,550/mo
Today · 4.125%
HK$52,109
baseline
▲ 0.50% · 4.625%
HK$55,280
+HK$3,171/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,218/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,550
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,013
−HK$1,484/mo
Today · 4.125%
HK$57,497
baseline
▲ 0.50% · 4.625%
HK$60,528
+HK$3,031/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,994/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,996 · Scale 2, in force from 26 Feb 2026)