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$27,200
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,046
−HK$860/mo
Today · 4.125%
HK$28,906
baseline
▲ 0.50% · 4.625%
HK$30,665
+HK$1,759/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,812/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,260
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,071
−HK$824/mo
Today · 4.125%
HK$31,895
baseline
▲ 0.50% · 4.625%
HK$33,576
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,790/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,640
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,655
−HK$1,032/mo
Today · 4.125%
HK$34,687
baseline
▲ 0.50% · 4.625%
HK$36,797
+HK$2,110/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,374/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,312
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,286
−HK$987/mo
Today · 4.125%
HK$38,273
baseline
▲ 0.50% · 4.625%
HK$40,291
+HK$2,018/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,546/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,080
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,264
−HK$1,204/mo
Today · 4.125%
HK$40,468
baseline
▲ 0.50% · 4.625%
HK$42,930
+HK$2,462/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,936/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,364
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,500
−HK$1,152/mo
Today · 4.125%
HK$44,652
baseline
▲ 0.50% · 4.625%
HK$47,006
+HK$2,354/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,304/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,960
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,483
−HK$1,547/mo
Today · 4.125%
HK$52,030
baseline
▲ 0.50% · 4.625%
HK$55,196
+HK$3,166/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,060/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,467
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,928
−HK$1,482/mo
Today · 4.125%
HK$57,410
baseline
▲ 0.50% · 4.625%
HK$60,436
+HK$3,026/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,820/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,318 · Scale 2, in force from 26 Feb 2026)