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$27,167
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,012
−HK$858/mo
Today · 4.125%
HK$28,870
baseline
▲ 0.50% · 4.625%
HK$30,627
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,740/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,223
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,033
−HK$823/mo
Today · 4.125%
HK$31,856
baseline
▲ 0.50% · 4.625%
HK$33,535
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,712/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,600
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,614
−HK$1,030/mo
Today · 4.125%
HK$34,644
baseline
▲ 0.50% · 4.625%
HK$36,752
+HK$2,108/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,288/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,267
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,240
−HK$987/mo
Today · 4.125%
HK$38,227
baseline
▲ 0.50% · 4.625%
HK$40,242
+HK$2,015/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,454/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,033
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,217
−HK$1,201/mo
Today · 4.125%
HK$40,418
baseline
▲ 0.50% · 4.625%
HK$42,878
+HK$2,460/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,836/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,312
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,447
−HK$1,151/mo
Today · 4.125%
HK$44,598
baseline
▲ 0.50% · 4.625%
HK$46,949
+HK$2,351/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,196/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,900
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,421
−HK$1,546/mo
Today · 4.125%
HK$51,967
baseline
▲ 0.50% · 4.625%
HK$55,129
+HK$3,162/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,934/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,401
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,860
−HK$1,480/mo
Today · 4.125%
HK$57,340
baseline
▲ 0.50% · 4.625%
HK$60,363
+HK$3,023/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,680/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,772 · Scale 2, in force from 26 Feb 2026)