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$27,217
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,064
−HK$860/mo
Today · 4.125%
HK$28,924
baseline
▲ 0.50% · 4.625%
HK$30,684
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,848/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,279
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,091
−HK$823/mo
Today · 4.125%
HK$31,914
baseline
▲ 0.50% · 4.625%
HK$33,597
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,828/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,660
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,676
−HK$1,032/mo
Today · 4.125%
HK$34,708
baseline
▲ 0.50% · 4.625%
HK$36,820
+HK$2,112/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,416/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,334
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,309
−HK$988/mo
Today · 4.125%
HK$38,297
baseline
▲ 0.50% · 4.625%
HK$40,316
+HK$2,019/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,594/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,104
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,289
−HK$1,204/mo
Today · 4.125%
HK$40,493
baseline
▲ 0.50% · 4.625%
HK$42,957
+HK$2,464/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$80,986/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,390
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,527
−HK$1,153/mo
Today · 4.125%
HK$44,680
baseline
▲ 0.50% · 4.625%
HK$47,035
+HK$2,355/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,360/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,991
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,514
−HK$1,549/mo
Today · 4.125%
HK$52,063
baseline
▲ 0.50% · 4.625%
HK$55,231
+HK$3,168/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,126/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,501
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,963
−HK$1,483/mo
Today · 4.125%
HK$57,446
baseline
▲ 0.50% · 4.625%
HK$60,474
+HK$3,028/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,892/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,597 · Scale 2, in force from 26 Feb 2026)