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$27,193
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,039
−HK$859/mo
Today · 4.125%
HK$28,898
baseline
▲ 0.50% · 4.625%
HK$30,657
+HK$1,759/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,796/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,252
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,063
−HK$823/mo
Today · 4.125%
HK$31,886
baseline
▲ 0.50% · 4.625%
HK$33,567
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,772/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,632
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,647
−HK$1,031/mo
Today · 4.125%
HK$34,678
baseline
▲ 0.50% · 4.625%
HK$36,788
+HK$2,110/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,356/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,302
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$988/mo
Today · 4.125%
HK$38,264
baseline
▲ 0.50% · 4.625%
HK$40,281
+HK$2,017/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,528/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,070
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,254
−HK$1,204/mo
Today · 4.125%
HK$40,458
baseline
▲ 0.50% · 4.625%
HK$42,919
+HK$2,461/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,916/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,353
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,489
−HK$1,152/mo
Today · 4.125%
HK$44,641
baseline
▲ 0.50% · 4.625%
HK$46,994
+HK$2,353/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,282/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,947
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,470
−HK$1,547/mo
Today · 4.125%
HK$52,017
baseline
▲ 0.50% · 4.625%
HK$55,182
+HK$3,165/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,034/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,454
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,914
−HK$1,482/mo
Today · 4.125%
HK$57,396
baseline
▲ 0.50% · 4.625%
HK$60,421
+HK$3,025/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,792/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,204 · Scale 2, in force from 26 Feb 2026)