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$27,178
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$859/mo
Today · 4.125%
HK$28,882
baseline
▲ 0.50% · 4.625%
HK$30,640
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,764/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,235
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,046
−HK$823/mo
Today · 4.125%
HK$31,869
baseline
▲ 0.50% · 4.625%
HK$33,549
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,738/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,614
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,628
−HK$1,031/mo
Today · 4.125%
HK$34,659
baseline
▲ 0.50% · 4.625%
HK$36,768
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,318/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,282
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,255
−HK$988/mo
Today · 4.125%
HK$38,243
baseline
▲ 0.50% · 4.625%
HK$40,258
+HK$2,015/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,486/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,049
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,233
−HK$1,202/mo
Today · 4.125%
HK$40,435
baseline
▲ 0.50% · 4.625%
HK$42,896
+HK$2,461/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,870/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,329
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,465
−HK$1,151/mo
Today · 4.125%
HK$44,616
baseline
▲ 0.50% · 4.625%
HK$46,968
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,232/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,921
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,442
−HK$1,546/mo
Today · 4.125%
HK$51,988
baseline
▲ 0.50% · 4.625%
HK$55,152
+HK$3,164/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,976/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,424
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,883
−HK$1,481/mo
Today · 4.125%
HK$57,364
baseline
▲ 0.50% · 4.625%
HK$60,388
+HK$3,024/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,728/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,958 · Scale 2, in force from 26 Feb 2026)