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$27,169
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,015
−HK$858/mo
Today · 4.125%
HK$28,873
baseline
▲ 0.50% · 4.625%
HK$30,630
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,746/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,226
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,036
−HK$823/mo
Today · 4.125%
HK$31,859
baseline
▲ 0.50% · 4.625%
HK$33,538
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,718/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,603
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,617
−HK$1,031/mo
Today · 4.125%
HK$34,648
baseline
▲ 0.50% · 4.625%
HK$36,756
+HK$2,108/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,296/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,271
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,244
−HK$986/mo
Today · 4.125%
HK$38,230
baseline
▲ 0.50% · 4.625%
HK$40,246
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,460/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,037
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,220
−HK$1,202/mo
Today · 4.125%
HK$40,422
baseline
▲ 0.50% · 4.625%
HK$42,882
+HK$2,460/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,844/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,316
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,451
−HK$1,151/mo
Today · 4.125%
HK$44,602
baseline
▲ 0.50% · 4.625%
HK$46,953
+HK$2,351/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,204/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,905
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,426
−HK$1,546/mo
Today · 4.125%
HK$51,972
baseline
▲ 0.50% · 4.625%
HK$55,134
+HK$3,162/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,944/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,406
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,865
−HK$1,481/mo
Today · 4.125%
HK$57,346
baseline
▲ 0.50% · 4.625%
HK$60,369
+HK$3,023/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,692/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,816 · Scale 2, in force from 26 Feb 2026)