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$27,195
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,041
−HK$859/mo
Today · 4.125%
HK$28,900
baseline
▲ 0.50% · 4.625%
HK$30,659
+HK$1,759/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,800/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,254
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,066
−HK$823/mo
Today · 4.125%
HK$31,889
baseline
▲ 0.50% · 4.625%
HK$33,570
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,778/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,634
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,649
−HK$1,031/mo
Today · 4.125%
HK$34,680
baseline
▲ 0.50% · 4.625%
HK$36,791
+HK$2,111/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,360/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,305
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,279
−HK$987/mo
Today · 4.125%
HK$38,266
baseline
▲ 0.50% · 4.625%
HK$40,283
+HK$2,017/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,532/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,073
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,257
−HK$1,203/mo
Today · 4.125%
HK$40,460
baseline
▲ 0.50% · 4.625%
HK$42,922
+HK$2,462/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,920/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,356
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,492
−HK$1,152/mo
Today · 4.125%
HK$44,644
baseline
▲ 0.50% · 4.625%
HK$46,997
+HK$2,353/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,288/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,951
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,474
−HK$1,547/mo
Today · 4.125%
HK$52,021
baseline
▲ 0.50% · 4.625%
HK$55,186
+HK$3,165/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,042/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,457
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,918
−HK$1,482/mo
Today · 4.125%
HK$57,400
baseline
▲ 0.50% · 4.625%
HK$60,425
+HK$3,025/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,800/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,236 · Scale 2, in force from 26 Feb 2026)