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$27,202
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,048
−HK$860/mo
Today · 4.125%
HK$28,908
baseline
▲ 0.50% · 4.625%
HK$30,667
+HK$1,759/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,816/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,262
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,074
−HK$823/mo
Today · 4.125%
HK$31,897
baseline
▲ 0.50% · 4.625%
HK$33,579
+HK$1,682/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,794/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,643
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,658
−HK$1,032/mo
Today · 4.125%
HK$34,690
baseline
▲ 0.50% · 4.625%
HK$36,801
+HK$2,111/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,380/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,315
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,289
−HK$988/mo
Today · 4.125%
HK$38,277
baseline
▲ 0.50% · 4.625%
HK$40,294
+HK$2,017/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,554/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,083
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,268
−HK$1,203/mo
Today · 4.125%
HK$40,471
baseline
▲ 0.50% · 4.625%
HK$42,934
+HK$2,463/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,942/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,367
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,503
−HK$1,153/mo
Today · 4.125%
HK$44,656
baseline
▲ 0.50% · 4.625%
HK$47,010
+HK$2,354/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,312/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,964
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,487
−HK$1,548/mo
Today · 4.125%
HK$52,035
baseline
▲ 0.50% · 4.625%
HK$55,201
+HK$3,166/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,070/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,472
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,933
−HK$1,482/mo
Today · 4.125%
HK$57,415
baseline
▲ 0.50% · 4.625%
HK$60,442
+HK$3,027/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,830/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,357 · Scale 2, in force from 26 Feb 2026)