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$27,165
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,010
−HK$858/mo
Today · 4.125%
HK$28,868
baseline
▲ 0.50% · 4.625%
HK$30,625
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,736/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,220
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,031
−HK$822/mo
Today · 4.125%
HK$31,853
baseline
▲ 0.50% · 4.625%
HK$33,532
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,706/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,598
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,612
−HK$1,030/mo
Today · 4.125%
HK$34,642
baseline
▲ 0.50% · 4.625%
HK$36,750
+HK$2,108/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,284/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,264
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,237
−HK$987/mo
Today · 4.125%
HK$38,224
baseline
▲ 0.50% · 4.625%
HK$40,239
+HK$2,015/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,448/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,031
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,213
−HK$1,202/mo
Today · 4.125%
HK$40,415
baseline
▲ 0.50% · 4.625%
HK$42,875
+HK$2,460/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,830/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,309
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,443
−HK$1,151/mo
Today · 4.125%
HK$44,594
baseline
▲ 0.50% · 4.625%
HK$46,945
+HK$2,351/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,188/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,896
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,417
−HK$1,546/mo
Today · 4.125%
HK$51,963
baseline
▲ 0.50% · 4.625%
HK$55,124
+HK$3,161/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,926/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,397
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,856
−HK$1,480/mo
Today · 4.125%
HK$57,336
baseline
▲ 0.50% · 4.625%
HK$60,358
+HK$3,022/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,672/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,737 · Scale 2, in force from 26 Feb 2026)