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$27,190
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,036
−HK$859/mo
Today · 4.125%
HK$28,895
baseline
▲ 0.50% · 4.625%
HK$30,653
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,790/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,248
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,060
−HK$823/mo
Today · 4.125%
HK$31,883
baseline
▲ 0.50% · 4.625%
HK$33,563
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,766/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,628
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,643
−HK$1,031/mo
Today · 4.125%
HK$34,674
baseline
▲ 0.50% · 4.625%
HK$36,784
+HK$2,110/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,348/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,298
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,272
−HK$987/mo
Today · 4.125%
HK$38,259
baseline
▲ 0.50% · 4.625%
HK$40,276
+HK$2,017/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,518/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,066
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,250
−HK$1,203/mo
Today · 4.125%
HK$40,453
baseline
▲ 0.50% · 4.625%
HK$42,914
+HK$2,461/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,906/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,348
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,483
−HK$1,153/mo
Today · 4.125%
HK$44,636
baseline
▲ 0.50% · 4.625%
HK$46,988
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,272/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,942
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,464
−HK$1,547/mo
Today · 4.125%
HK$52,011
baseline
▲ 0.50% · 4.625%
HK$55,175
+HK$3,164/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,022/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,447
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,907
−HK$1,482/mo
Today · 4.125%
HK$57,389
baseline
▲ 0.50% · 4.625%
HK$60,414
+HK$3,025/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,778/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,151 · Scale 2, in force from 26 Feb 2026)