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$27,206
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,053
−HK$860/mo
Today · 4.125%
HK$28,913
baseline
▲ 0.50% · 4.625%
HK$30,672
+HK$1,759/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,826/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,267
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,079
−HK$823/mo
Today · 4.125%
HK$31,902
baseline
▲ 0.50% · 4.625%
HK$33,584
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,804/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,648
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,663
−HK$1,032/mo
Today · 4.125%
HK$34,695
baseline
▲ 0.50% · 4.625%
HK$36,806
+HK$2,111/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,390/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,320
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,294
−HK$989/mo
Today · 4.125%
HK$38,283
baseline
▲ 0.50% · 4.625%
HK$40,301
+HK$2,018/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,566/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,089
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,274
−HK$1,204/mo
Today · 4.125%
HK$40,478
baseline
▲ 0.50% · 4.625%
HK$42,941
+HK$2,463/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,956/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,374
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,510
−HK$1,153/mo
Today · 4.125%
HK$44,663
baseline
▲ 0.50% · 4.625%
HK$47,017
+HK$2,354/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,326/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,972
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,495
−HK$1,548/mo
Today · 4.125%
HK$52,043
baseline
▲ 0.50% · 4.625%
HK$55,209
+HK$3,166/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,086/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,480
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,942
−HK$1,482/mo
Today · 4.125%
HK$57,424
baseline
▲ 0.50% · 4.625%
HK$60,451
+HK$3,027/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,848/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,425 · Scale 2, in force from 26 Feb 2026)