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$27,188
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,034
−HK$859/mo
Today · 4.125%
HK$28,893
baseline
▲ 0.50% · 4.625%
HK$30,651
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,786/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,247
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,058
−HK$823/mo
Today · 4.125%
HK$31,881
baseline
▲ 0.50% · 4.625%
HK$33,561
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,762/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,626
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,641
−HK$1,031/mo
Today · 4.125%
HK$34,672
baseline
▲ 0.50% · 4.625%
HK$36,781
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,344/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,296
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,269
−HK$988/mo
Today · 4.125%
HK$38,257
baseline
▲ 0.50% · 4.625%
HK$40,273
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,514/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,063
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,247
−HK$1,203/mo
Today · 4.125%
HK$40,450
baseline
▲ 0.50% · 4.625%
HK$42,912
+HK$2,462/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,900/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,345
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,481
−HK$1,152/mo
Today · 4.125%
HK$44,633
baseline
▲ 0.50% · 4.625%
HK$46,986
+HK$2,353/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,266/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,939
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,461
−HK$1,547/mo
Today · 4.125%
HK$52,008
baseline
▲ 0.50% · 4.625%
HK$55,172
+HK$3,164/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,016/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,444
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,904
−HK$1,481/mo
Today · 4.125%
HK$57,385
baseline
▲ 0.50% · 4.625%
HK$60,410
+HK$3,025/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,770/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,124 · Scale 2, in force from 26 Feb 2026)