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$27,245
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,093
−HK$861/mo
Today · 4.125%
HK$28,954
baseline
▲ 0.50% · 4.625%
HK$30,715
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,908/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,310
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,123
−HK$825/mo
Today · 4.125%
HK$31,948
baseline
▲ 0.50% · 4.625%
HK$33,632
+HK$1,684/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,896/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,694
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,711
−HK$1,033/mo
Today · 4.125%
HK$34,744
baseline
▲ 0.50% · 4.625%
HK$36,859
+HK$2,115/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,488/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,372
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,347
−HK$990/mo
Today · 4.125%
HK$38,337
baseline
▲ 0.50% · 4.625%
HK$40,358
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,674/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,143
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,330
−HK$1,205/mo
Today · 4.125%
HK$40,535
baseline
▲ 0.50% · 4.625%
HK$43,002
+HK$2,467/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,070/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,434
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,572
−HK$1,155/mo
Today · 4.125%
HK$44,727
baseline
▲ 0.50% · 4.625%
HK$47,084
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,454/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,041
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,567
−HK$1,550/mo
Today · 4.125%
HK$52,117
baseline
▲ 0.50% · 4.625%
HK$55,288
+HK$3,171/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,234/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,558
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,021
−HK$1,485/mo
Today · 4.125%
HK$57,506
baseline
▲ 0.50% · 4.625%
HK$60,537
+HK$3,031/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$115,012/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,061 · Scale 2, in force from 26 Feb 2026)