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$27,241
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,088
−HK$861/mo
Today · 4.125%
HK$28,949
baseline
▲ 0.50% · 4.625%
HK$30,711
+HK$1,762/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$447,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,305
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,118
−HK$824/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$447,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,689
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,706
−HK$1,033/mo
Today · 4.125%
HK$34,739
baseline
▲ 0.50% · 4.625%
HK$36,853
+HK$2,114/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,478/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,366
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$989/mo
Today · 4.125%
HK$38,331
baseline
▲ 0.50% · 4.625%
HK$40,351
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,662/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,137
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,323
−HK$1,206/mo
Today · 4.125%
HK$40,529
baseline
▲ 0.50% · 4.625%
HK$42,995
+HK$2,466/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,058/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,427
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,565
−HK$1,154/mo
Today · 4.125%
HK$44,719
baseline
▲ 0.50% · 4.625%
HK$47,077
+HK$2,358/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$447,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,034
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,559
−HK$1,549/mo
Today · 4.125%
HK$52,108
baseline
▲ 0.50% · 4.625%
HK$55,279
+HK$3,171/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,216/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,549
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,012
−HK$1,484/mo
Today · 4.125%
HK$57,496
baseline
▲ 0.50% · 4.625%
HK$60,527
+HK$3,031/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,992/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,990 · Scale 2, in force from 26 Feb 2026)