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$27,165
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,010
−HK$859/mo
Today · 4.125%
HK$28,869
baseline
▲ 0.50% · 4.625%
HK$30,625
+HK$1,756/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$446,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,221
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,032
−HK$822/mo
Today · 4.125%
HK$31,854
baseline
▲ 0.50% · 4.625%
HK$33,533
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,708/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,598
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,612
−HK$1,031/mo
Today · 4.125%
HK$34,643
baseline
▲ 0.50% · 4.625%
HK$36,750
+HK$2,107/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$446,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,265
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,238
−HK$987/mo
Today · 4.125%
HK$38,225
baseline
▲ 0.50% · 4.625%
HK$40,239
+HK$2,014/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$446,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,031
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,214
−HK$1,202/mo
Today · 4.125%
HK$40,416
baseline
▲ 0.50% · 4.625%
HK$42,875
+HK$2,459/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,832/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,310
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,444
−HK$1,151/mo
Today · 4.125%
HK$44,595
baseline
▲ 0.50% · 4.625%
HK$46,946
+HK$2,351/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,190/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,897
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,418
−HK$1,546/mo
Today · 4.125%
HK$51,964
baseline
▲ 0.50% · 4.625%
HK$55,126
+HK$3,162/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,928/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,398
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,857
−HK$1,480/mo
Today · 4.125%
HK$57,337
baseline
▲ 0.50% · 4.625%
HK$60,359
+HK$3,022/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,674/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,747 · Scale 2, in force from 26 Feb 2026)