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$27,179
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,024
−HK$859/mo
Today · 4.125%
HK$28,883
baseline
▲ 0.50% · 4.625%
HK$30,641
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,766/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,236
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,047
−HK$823/mo
Today · 4.125%
HK$31,870
baseline
▲ 0.50% · 4.625%
HK$33,550
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,740/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,615
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,629
−HK$1,031/mo
Today · 4.125%
HK$34,660
baseline
▲ 0.50% · 4.625%
HK$36,769
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,320/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,284
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,257
−HK$987/mo
Today · 4.125%
HK$38,244
baseline
▲ 0.50% · 4.625%
HK$40,260
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,488/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,051
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,234
−HK$1,203/mo
Today · 4.125%
HK$40,437
baseline
▲ 0.50% · 4.625%
HK$42,897
+HK$2,460/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,874/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,331
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,466
−HK$1,152/mo
Today · 4.125%
HK$44,618
baseline
▲ 0.50% · 4.625%
HK$46,970
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,236/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,922
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,444
−HK$1,546/mo
Today · 4.125%
HK$51,990
baseline
▲ 0.50% · 4.625%
HK$55,154
+HK$3,164/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,980/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,426
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,885
−HK$1,481/mo
Today · 4.125%
HK$57,366
baseline
▲ 0.50% · 4.625%
HK$60,390
+HK$3,024/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,732/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,974 · Scale 2, in force from 26 Feb 2026)