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$27,192
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,038
−HK$859/mo
Today · 4.125%
HK$28,897
baseline
▲ 0.50% · 4.625%
HK$30,656
+HK$1,759/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,794/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,251
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,062
−HK$823/mo
Today · 4.125%
HK$31,885
baseline
▲ 0.50% · 4.625%
HK$33,566
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,770/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,631
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,646
−HK$1,031/mo
Today · 4.125%
HK$34,677
baseline
▲ 0.50% · 4.625%
HK$36,787
+HK$2,110/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,354/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,301
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,275
−HK$988/mo
Today · 4.125%
HK$38,263
baseline
▲ 0.50% · 4.625%
HK$40,279
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,526/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,069
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,253
−HK$1,203/mo
Today · 4.125%
HK$40,456
baseline
▲ 0.50% · 4.625%
HK$42,918
+HK$2,462/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,912/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,351
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,487
−HK$1,153/mo
Today · 4.125%
HK$44,640
baseline
▲ 0.50% · 4.625%
HK$46,993
+HK$2,353/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,280/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,946
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,468
−HK$1,547/mo
Today · 4.125%
HK$52,015
baseline
▲ 0.50% · 4.625%
HK$55,180
+HK$3,165/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,030/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,452
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,912
−HK$1,482/mo
Today · 4.125%
HK$57,394
baseline
▲ 0.50% · 4.625%
HK$60,419
+HK$3,025/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,788/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,191 · Scale 2, in force from 26 Feb 2026)