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$27,226
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,072
−HK$861/mo
Today · 4.125%
HK$28,933
baseline
▲ 0.50% · 4.625%
HK$30,693
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,866/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,288
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,100
−HK$825/mo
Today · 4.125%
HK$31,925
baseline
▲ 0.50% · 4.625%
HK$33,607
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,850/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,671
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,687
−HK$1,032/mo
Today · 4.125%
HK$34,719
baseline
▲ 0.50% · 4.625%
HK$36,832
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$69,438/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,346
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,321
−HK$988/mo
Today · 4.125%
HK$38,309
baseline
▲ 0.50% · 4.625%
HK$40,329
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$76,618/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,116
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,301
−HK$1,205/mo
Today · 4.125%
HK$40,506
baseline
▲ 0.50% · 4.625%
HK$42,971
+HK$2,465/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,012/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,403
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,541
−HK$1,153/mo
Today · 4.125%
HK$44,694
baseline
▲ 0.50% · 4.625%
HK$47,050
+HK$2,356/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,388/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,006
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,530
−HK$1,549/mo
Today · 4.125%
HK$52,079
baseline
▲ 0.50% · 4.625%
HK$55,248
+HK$3,169/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,158/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,519
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,981
−HK$1,483/mo
Today · 4.125%
HK$57,464
baseline
▲ 0.50% · 4.625%
HK$60,493
+HK$3,029/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,928/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,739 · Scale 2, in force from 26 Feb 2026)