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$27,208
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,055
−HK$860/mo
Today · 4.125%
HK$28,915
baseline
▲ 0.50% · 4.625%
HK$30,674
+HK$1,759/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,830/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,269
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,081
−HK$823/mo
Today · 4.125%
HK$31,904
baseline
▲ 0.50% · 4.625%
HK$33,586
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,808/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,650
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,666
−HK$1,032/mo
Today · 4.125%
HK$34,698
baseline
▲ 0.50% · 4.625%
HK$36,809
+HK$2,111/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,396/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,323
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,297
−HK$988/mo
Today · 4.125%
HK$38,285
baseline
▲ 0.50% · 4.625%
HK$40,303
+HK$2,018/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,570/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,092
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,277
−HK$1,203/mo
Today · 4.125%
HK$40,480
baseline
▲ 0.50% · 4.625%
HK$42,944
+HK$2,464/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,960/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,377
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,513
−HK$1,153/mo
Today · 4.125%
HK$44,666
baseline
▲ 0.50% · 4.625%
HK$47,021
+HK$2,355/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,332/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,975
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,498
−HK$1,548/mo
Today · 4.125%
HK$52,046
baseline
▲ 0.50% · 4.625%
HK$55,213
+HK$3,167/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,092/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,484
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,946
−HK$1,482/mo
Today · 4.125%
HK$57,428
baseline
▲ 0.50% · 4.625%
HK$60,455
+HK$3,027/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,856/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,456 · Scale 2, in force from 26 Feb 2026)