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$27,180
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,025
−HK$859/mo
Today · 4.125%
HK$28,884
baseline
▲ 0.50% · 4.625%
HK$30,642
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,768/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,237
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,048
−HK$823/mo
Today · 4.125%
HK$31,871
baseline
▲ 0.50% · 4.625%
HK$33,551
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,742/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,616
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,630
−HK$1,031/mo
Today · 4.125%
HK$34,661
baseline
▲ 0.50% · 4.625%
HK$36,770
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,322/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,285
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,258
−HK$987/mo
Today · 4.125%
HK$38,245
baseline
▲ 0.50% · 4.625%
HK$40,261
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,490/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,052
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,235
−HK$1,203/mo
Today · 4.125%
HK$40,438
baseline
▲ 0.50% · 4.625%
HK$42,898
+HK$2,460/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,876/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,332
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,467
−HK$1,152/mo
Today · 4.125%
HK$44,619
baseline
▲ 0.50% · 4.625%
HK$46,971
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,238/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,924
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,445
−HK$1,546/mo
Today · 4.125%
HK$51,991
baseline
▲ 0.50% · 4.625%
HK$55,155
+HK$3,164/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,982/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,427
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,887
−HK$1,480/mo
Today · 4.125%
HK$57,367
baseline
▲ 0.50% · 4.625%
HK$60,391
+HK$3,024/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,734/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,986 · Scale 2, in force from 26 Feb 2026)