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$27,166
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,011
−HK$858/mo
Today · 4.125%
HK$28,869
baseline
▲ 0.50% · 4.625%
HK$30,626
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,738/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,222
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,032
−HK$823/mo
Today · 4.125%
HK$31,855
baseline
▲ 0.50% · 4.625%
HK$33,534
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,710/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,599
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,613
−HK$1,030/mo
Today · 4.125%
HK$34,643
baseline
▲ 0.50% · 4.625%
HK$36,751
+HK$2,108/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,286/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,266
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,239
−HK$986/mo
Today · 4.125%
HK$38,225
baseline
▲ 0.50% · 4.625%
HK$40,240
+HK$2,015/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,450/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,032
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,215
−HK$1,202/mo
Today · 4.125%
HK$40,417
baseline
▲ 0.50% · 4.625%
HK$42,877
+HK$2,460/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,834/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,311
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,445
−HK$1,151/mo
Today · 4.125%
HK$44,596
baseline
▲ 0.50% · 4.625%
HK$46,947
+HK$2,351/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,192/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,899
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,420
−HK$1,545/mo
Today · 4.125%
HK$51,965
baseline
▲ 0.50% · 4.625%
HK$55,127
+HK$3,162/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,930/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,399
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,858
−HK$1,480/mo
Today · 4.125%
HK$57,338
baseline
▲ 0.50% · 4.625%
HK$60,361
+HK$3,023/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,676/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,758 · Scale 2, in force from 26 Feb 2026)