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$27,197
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,043
−HK$860/mo
Today · 4.125%
HK$28,903
baseline
▲ 0.50% · 4.625%
HK$30,661
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,806/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,257
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,068
−HK$823/mo
Today · 4.125%
HK$31,891
baseline
▲ 0.50% · 4.625%
HK$33,572
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,782/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,637
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,652
−HK$1,031/mo
Today · 4.125%
HK$34,683
baseline
▲ 0.50% · 4.625%
HK$36,794
+HK$2,111/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,366/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,308
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,282
−HK$987/mo
Today · 4.125%
HK$38,269
baseline
▲ 0.50% · 4.625%
HK$40,287
+HK$2,018/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,538/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,076
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,260
−HK$1,204/mo
Today · 4.125%
HK$40,464
baseline
▲ 0.50% · 4.625%
HK$42,926
+HK$2,462/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,928/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,359
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,495
−HK$1,153/mo
Today · 4.125%
HK$44,648
baseline
▲ 0.50% · 4.625%
HK$47,001
+HK$2,353/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,296/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,955
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,478
−HK$1,547/mo
Today · 4.125%
HK$52,025
baseline
▲ 0.50% · 4.625%
HK$55,190
+HK$3,165/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,050/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,462
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,922
−HK$1,482/mo
Today · 4.125%
HK$57,404
baseline
▲ 0.50% · 4.625%
HK$60,430
+HK$3,026/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,808/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,272 · Scale 2, in force from 26 Feb 2026)