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$27,238
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,085
−HK$861/mo
Today · 4.125%
HK$28,946
baseline
▲ 0.50% · 4.625%
HK$30,707
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,892/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,301
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,114
−HK$825/mo
Today · 4.125%
HK$31,939
baseline
▲ 0.50% · 4.625%
HK$33,622
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,878/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,685
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,702
−HK$1,033/mo
Today · 4.125%
HK$34,735
baseline
▲ 0.50% · 4.625%
HK$36,848
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,470/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,362
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,337
−HK$989/mo
Today · 4.125%
HK$38,326
baseline
▲ 0.50% · 4.625%
HK$40,347
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,652/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,133
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,319
−HK$1,205/mo
Today · 4.125%
HK$40,524
baseline
▲ 0.50% · 4.625%
HK$42,990
+HK$2,466/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,048/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,422
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,560
−HK$1,154/mo
Today · 4.125%
HK$44,714
baseline
▲ 0.50% · 4.625%
HK$47,071
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,428/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,028
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,553
−HK$1,549/mo
Today · 4.125%
HK$52,102
baseline
▲ 0.50% · 4.625%
HK$55,272
+HK$3,170/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,204/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,543
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$56,005
−HK$1,484/mo
Today · 4.125%
HK$57,489
baseline
▲ 0.50% · 4.625%
HK$60,520
+HK$3,031/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,978/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,936 · Scale 2, in force from 26 Feb 2026)