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$27,245
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,092
−HK$861/mo
Today · 4.125%
HK$28,953
baseline
▲ 0.50% · 4.625%
HK$30,715
+HK$1,762/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,906/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,309
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,122
−HK$825/mo
Today · 4.125%
HK$31,947
baseline
▲ 0.50% · 4.625%
HK$33,631
+HK$1,684/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,894/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,694
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,710
−HK$1,034/mo
Today · 4.125%
HK$34,744
baseline
▲ 0.50% · 4.625%
HK$36,858
+HK$2,114/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,488/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,371
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,347
−HK$989/mo
Today · 4.125%
HK$38,336
baseline
▲ 0.50% · 4.625%
HK$40,357
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,672/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,142
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,329
−HK$1,205/mo
Today · 4.125%
HK$40,534
baseline
▲ 0.50% · 4.625%
HK$43,001
+HK$2,467/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,068/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,433
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,571
−HK$1,155/mo
Today · 4.125%
HK$44,726
baseline
▲ 0.50% · 4.625%
HK$47,083
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,452/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,040
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,566
−HK$1,550/mo
Today · 4.125%
HK$52,116
baseline
▲ 0.50% · 4.625%
HK$55,287
+HK$3,171/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,232/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,557
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,020
−HK$1,484/mo
Today · 4.125%
HK$57,504
baseline
▲ 0.50% · 4.625%
HK$60,536
+HK$3,032/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$115,008/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,052 · Scale 2, in force from 26 Feb 2026)