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$27,178
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$859/mo
Today · 4.125%
HK$28,882
baseline
▲ 0.50% · 4.625%
HK$30,639
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,764/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,235
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,046
−HK$822/mo
Today · 4.125%
HK$31,868
baseline
▲ 0.50% · 4.625%
HK$33,548
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,736/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,613
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,628
−HK$1,030/mo
Today · 4.125%
HK$34,658
baseline
▲ 0.50% · 4.625%
HK$36,767
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,316/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,282
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,255
−HK$987/mo
Today · 4.125%
HK$38,242
baseline
▲ 0.50% · 4.625%
HK$40,258
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,484/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,049
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,232
−HK$1,203/mo
Today · 4.125%
HK$40,435
baseline
▲ 0.50% · 4.625%
HK$42,895
+HK$2,460/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,870/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,329
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,464
−HK$1,152/mo
Today · 4.125%
HK$44,616
baseline
▲ 0.50% · 4.625%
HK$46,968
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,232/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,920
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,442
−HK$1,546/mo
Today · 4.125%
HK$51,988
baseline
▲ 0.50% · 4.625%
HK$55,151
+HK$3,163/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,976/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,423
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,883
−HK$1,480/mo
Today · 4.125%
HK$57,363
baseline
▲ 0.50% · 4.625%
HK$60,387
+HK$3,024/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,726/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,953 · Scale 2, in force from 26 Feb 2026)