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$27,168
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,013
−HK$858/mo
Today · 4.125%
HK$28,871
baseline
▲ 0.50% · 4.625%
HK$30,628
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,742/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,224
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,034
−HK$823/mo
Today · 4.125%
HK$31,857
baseline
▲ 0.50% · 4.625%
HK$33,536
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,714/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,601
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,615
−HK$1,030/mo
Today · 4.125%
HK$34,645
baseline
▲ 0.50% · 4.625%
HK$36,754
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,290/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,268
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,241
−HK$987/mo
Today · 4.125%
HK$38,228
baseline
▲ 0.50% · 4.625%
HK$40,243
+HK$2,015/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,456/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,035
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,218
−HK$1,202/mo
Today · 4.125%
HK$40,420
baseline
▲ 0.50% · 4.625%
HK$42,879
+HK$2,459/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,840/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,313
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,448
−HK$1,151/mo
Today · 4.125%
HK$44,599
baseline
▲ 0.50% · 4.625%
HK$46,950
+HK$2,351/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,198/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,902
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,423
−HK$1,545/mo
Today · 4.125%
HK$51,968
baseline
▲ 0.50% · 4.625%
HK$55,130
+HK$3,162/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,936/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,403
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,862
−HK$1,480/mo
Today · 4.125%
HK$57,342
baseline
▲ 0.50% · 4.625%
HK$60,364
+HK$3,022/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,684/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,785 · Scale 2, in force from 26 Feb 2026)