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$27,174
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,019
−HK$859/mo
Today · 4.125%
HK$28,878
baseline
▲ 0.50% · 4.625%
HK$30,635
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,756/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,231
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,041
−HK$823/mo
Today · 4.125%
HK$31,864
baseline
▲ 0.50% · 4.625%
HK$33,543
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,728/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,609
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,623
−HK$1,030/mo
Today · 4.125%
HK$34,653
baseline
▲ 0.50% · 4.625%
HK$36,762
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,306/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,277
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,250
−HK$987/mo
Today · 4.125%
HK$38,237
baseline
▲ 0.50% · 4.625%
HK$40,252
+HK$2,015/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,474/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,043
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,227
−HK$1,202/mo
Today · 4.125%
HK$40,429
baseline
▲ 0.50% · 4.625%
HK$42,889
+HK$2,460/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,858/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,323
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,458
−HK$1,151/mo
Today · 4.125%
HK$44,609
baseline
▲ 0.50% · 4.625%
HK$46,961
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,218/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,913
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,434
−HK$1,546/mo
Today · 4.125%
HK$51,980
baseline
▲ 0.50% · 4.625%
HK$55,143
+HK$3,163/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,960/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,415
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,874
−HK$1,481/mo
Today · 4.125%
HK$57,355
baseline
▲ 0.50% · 4.625%
HK$60,378
+HK$3,023/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,710/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,887 · Scale 2, in force from 26 Feb 2026)