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$27,231
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,078
−HK$860/mo
Today · 4.125%
HK$28,938
baseline
▲ 0.50% · 4.625%
HK$30,699
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,876/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,294
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,106
−HK$825/mo
Today · 4.125%
HK$31,931
baseline
▲ 0.50% · 4.625%
HK$33,614
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,862/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,677
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,693
−HK$1,033/mo
Today · 4.125%
HK$34,726
baseline
▲ 0.50% · 4.625%
HK$36,839
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,452/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,353
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,328
−HK$989/mo
Today · 4.125%
HK$38,317
baseline
▲ 0.50% · 4.625%
HK$40,336
+HK$2,019/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,634/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,123
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,309
−HK$1,205/mo
Today · 4.125%
HK$40,514
baseline
▲ 0.50% · 4.625%
HK$42,979
+HK$2,465/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,028/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,411
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,549
−HK$1,154/mo
Today · 4.125%
HK$44,703
baseline
▲ 0.50% · 4.625%
HK$47,059
+HK$2,356/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,406/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,015
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,540
−HK$1,549/mo
Today · 4.125%
HK$52,089
baseline
▲ 0.50% · 4.625%
HK$55,258
+HK$3,169/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,178/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,529
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,991
−HK$1,484/mo
Today · 4.125%
HK$57,475
baseline
▲ 0.50% · 4.625%
HK$60,505
+HK$3,030/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,950/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,824 · Scale 2, in force from 26 Feb 2026)