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$27,221
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,068
−HK$860/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,689
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,856/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,284
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,096
−HK$824/mo
Today · 4.125%
HK$31,920
baseline
▲ 0.50% · 4.625%
HK$33,602
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,840/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,666
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,682
−HK$1,032/mo
Today · 4.125%
HK$34,714
baseline
▲ 0.50% · 4.625%
HK$36,826
+HK$2,112/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$69,428/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,340
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,315
−HK$989/mo
Today · 4.125%
HK$38,304
baseline
▲ 0.50% · 4.625%
HK$40,323
+HK$2,019/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$76,608/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,110
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,295
−HK$1,205/mo
Today · 4.125%
HK$40,500
baseline
▲ 0.50% · 4.625%
HK$42,964
+HK$2,464/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,000/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,397
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,534
−HK$1,154/mo
Today · 4.125%
HK$44,688
baseline
▲ 0.50% · 4.625%
HK$47,043
+HK$2,355/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,376/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,999
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,523
−HK$1,548/mo
Today · 4.125%
HK$52,071
baseline
▲ 0.50% · 4.625%
HK$55,240
+HK$3,169/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,142/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,510
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,972
−HK$1,483/mo
Today · 4.125%
HK$57,455
baseline
▲ 0.50% · 4.625%
HK$60,484
+HK$3,029/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,910/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,671 · Scale 2, in force from 26 Feb 2026)