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$27,199
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,045
−HK$860/mo
Today · 4.125%
HK$28,905
baseline
▲ 0.50% · 4.625%
HK$30,664
+HK$1,759/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,810/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,259
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,070
−HK$824/mo
Today · 4.125%
HK$31,894
baseline
▲ 0.50% · 4.625%
HK$33,575
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,788/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,639
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,654
−HK$1,032/mo
Today · 4.125%
HK$34,686
baseline
▲ 0.50% · 4.625%
HK$36,796
+HK$2,110/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,372/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,311
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,284
−HK$988/mo
Today · 4.125%
HK$38,272
baseline
▲ 0.50% · 4.625%
HK$40,290
+HK$2,018/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,544/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,079
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,263
−HK$1,204/mo
Today · 4.125%
HK$40,467
baseline
▲ 0.50% · 4.625%
HK$42,929
+HK$2,462/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,934/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,362
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,498
−HK$1,153/mo
Today · 4.125%
HK$44,651
baseline
▲ 0.50% · 4.625%
HK$47,005
+HK$2,354/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,302/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,959
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,481
−HK$1,548/mo
Today · 4.125%
HK$52,029
baseline
▲ 0.50% · 4.625%
HK$55,194
+HK$3,165/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,058/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,466
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,927
−HK$1,481/mo
Today · 4.125%
HK$57,408
baseline
▲ 0.50% · 4.625%
HK$60,435
+HK$3,027/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,816/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,305 · Scale 2, in force from 26 Feb 2026)