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$27,240
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,088
−HK$861/mo
Today · 4.125%
HK$28,949
baseline
▲ 0.50% · 4.625%
HK$30,710
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,898/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,305
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,117
−HK$825/mo
Today · 4.125%
HK$31,942
baseline
▲ 0.50% · 4.625%
HK$33,626
+HK$1,684/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,884/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,688
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,705
−HK$1,033/mo
Today · 4.125%
HK$34,738
baseline
▲ 0.50% · 4.625%
HK$36,852
+HK$2,114/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,476/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,365
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,341
−HK$989/mo
Today · 4.125%
HK$38,330
baseline
▲ 0.50% · 4.625%
HK$40,351
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,660/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,136
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,323
−HK$1,205/mo
Today · 4.125%
HK$40,528
baseline
▲ 0.50% · 4.625%
HK$42,994
+HK$2,466/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,056/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,426
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,564
−HK$1,155/mo
Today · 4.125%
HK$44,719
baseline
▲ 0.50% · 4.625%
HK$47,076
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,438/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,033
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,558
−HK$1,549/mo
Today · 4.125%
HK$52,107
baseline
▲ 0.50% · 4.625%
HK$55,278
+HK$3,171/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,214/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,548
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,011
−HK$1,484/mo
Today · 4.125%
HK$57,495
baseline
▲ 0.50% · 4.625%
HK$60,526
+HK$3,031/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,990/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,981 · Scale 2, in force from 26 Feb 2026)