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$27,211
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,058
−HK$860/mo
Today · 4.125%
HK$28,918
baseline
▲ 0.50% · 4.625%
HK$30,677
+HK$1,759/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,836/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,272
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,084
−HK$824/mo
Today · 4.125%
HK$31,908
baseline
▲ 0.50% · 4.625%
HK$33,590
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,816/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,654
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,669
−HK$1,032/mo
Today · 4.125%
HK$34,701
baseline
▲ 0.50% · 4.625%
HK$36,813
+HK$2,112/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,402/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,327
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,301
−HK$989/mo
Today · 4.125%
HK$38,290
baseline
▲ 0.50% · 4.625%
HK$40,308
+HK$2,018/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,580/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,096
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,281
−HK$1,204/mo
Today · 4.125%
HK$40,485
baseline
▲ 0.50% · 4.625%
HK$42,948
+HK$2,463/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,970/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,381
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,518
−HK$1,153/mo
Today · 4.125%
HK$44,671
baseline
▲ 0.50% · 4.625%
HK$47,026
+HK$2,355/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,342/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,981
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,504
−HK$1,548/mo
Today · 4.125%
HK$52,052
baseline
▲ 0.50% · 4.625%
HK$55,219
+HK$3,167/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,104/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,490
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,952
−HK$1,482/mo
Today · 4.125%
HK$57,434
baseline
▲ 0.50% · 4.625%
HK$60,462
+HK$3,028/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,868/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,506 · Scale 2, in force from 26 Feb 2026)