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$27,172
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,017
−HK$858/mo
Today · 4.125%
HK$28,875
baseline
▲ 0.50% · 4.625%
HK$30,632
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,750/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,228
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,039
−HK$822/mo
Today · 4.125%
HK$31,861
baseline
▲ 0.50% · 4.625%
HK$33,541
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,722/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,606
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,620
−HK$1,031/mo
Today · 4.125%
HK$34,651
baseline
▲ 0.50% · 4.625%
HK$36,759
+HK$2,108/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,302/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,274
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,247
−HK$987/mo
Today · 4.125%
HK$38,234
baseline
▲ 0.50% · 4.625%
HK$40,249
+HK$2,015/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,468/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,040
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,223
−HK$1,203/mo
Today · 4.125%
HK$40,426
baseline
▲ 0.50% · 4.625%
HK$42,885
+HK$2,459/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,852/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,319
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,454
−HK$1,152/mo
Today · 4.125%
HK$44,606
baseline
▲ 0.50% · 4.625%
HK$46,957
+HK$2,351/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,212/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,909
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,430
−HK$1,546/mo
Today · 4.125%
HK$51,976
baseline
▲ 0.50% · 4.625%
HK$55,138
+HK$3,162/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,952/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,411
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,870
−HK$1,480/mo
Today · 4.125%
HK$57,350
baseline
▲ 0.50% · 4.625%
HK$60,373
+HK$3,023/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,700/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,851 · Scale 2, in force from 26 Feb 2026)