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$27,175
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,021
−HK$859/mo
Today · 4.125%
HK$28,880
baseline
▲ 0.50% · 4.625%
HK$30,637
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,760/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,232
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,043
−HK$823/mo
Today · 4.125%
HK$31,866
baseline
▲ 0.50% · 4.625%
HK$33,545
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,732/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,610
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$1,030/mo
Today · 4.125%
HK$34,655
baseline
▲ 0.50% · 4.625%
HK$36,764
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,310/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,279
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,252
−HK$987/mo
Today · 4.125%
HK$38,239
baseline
▲ 0.50% · 4.625%
HK$40,254
+HK$2,015/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,478/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,046
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,229
−HK$1,202/mo
Today · 4.125%
HK$40,431
baseline
▲ 0.50% · 4.625%
HK$42,891
+HK$2,460/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,862/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,325
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,460
−HK$1,152/mo
Today · 4.125%
HK$44,612
baseline
▲ 0.50% · 4.625%
HK$46,964
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,224/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,916
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,437
−HK$1,546/mo
Today · 4.125%
HK$51,983
baseline
▲ 0.50% · 4.625%
HK$55,146
+HK$3,163/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,966/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,418
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,878
−HK$1,480/mo
Today · 4.125%
HK$57,358
baseline
▲ 0.50% · 4.625%
HK$60,382
+HK$3,024/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,716/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,914 · Scale 2, in force from 26 Feb 2026)