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$27,211
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,057
−HK$860/mo
Today · 4.125%
HK$28,917
baseline
▲ 0.50% · 4.625%
HK$30,676
+HK$1,759/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,834/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,272
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,083
−HK$824/mo
Today · 4.125%
HK$31,907
baseline
▲ 0.50% · 4.625%
HK$33,589
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,814/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,653
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,668
−HK$1,032/mo
Today · 4.125%
HK$34,700
baseline
▲ 0.50% · 4.625%
HK$36,812
+HK$2,112/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,400/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,326
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,300
−HK$988/mo
Today · 4.125%
HK$38,288
baseline
▲ 0.50% · 4.625%
HK$40,307
+HK$2,019/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,576/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,095
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,280
−HK$1,204/mo
Today · 4.125%
HK$40,484
baseline
▲ 0.50% · 4.625%
HK$42,947
+HK$2,463/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,968/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,380
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,517
−HK$1,153/mo
Today · 4.125%
HK$44,670
baseline
▲ 0.50% · 4.625%
HK$47,024
+HK$2,354/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,340/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,979
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,503
−HK$1,548/mo
Today · 4.125%
HK$52,051
baseline
▲ 0.50% · 4.625%
HK$55,218
+HK$3,167/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,102/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,489
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,950
−HK$1,483/mo
Today · 4.125%
HK$57,433
baseline
▲ 0.50% · 4.625%
HK$60,460
+HK$3,027/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,866/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,493 · Scale 2, in force from 26 Feb 2026)