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$27,183
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,029
−HK$859/mo
Today · 4.125%
HK$28,888
baseline
▲ 0.50% · 4.625%
HK$30,646
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,776/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,241
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,052
−HK$823/mo
Today · 4.125%
HK$31,875
baseline
▲ 0.50% · 4.625%
HK$33,555
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,750/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,620
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,635
−HK$1,031/mo
Today · 4.125%
HK$34,666
baseline
▲ 0.50% · 4.625%
HK$36,775
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,332/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,290
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,263
−HK$987/mo
Today · 4.125%
HK$38,250
baseline
▲ 0.50% · 4.625%
HK$40,266
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,500/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,057
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,241
−HK$1,202/mo
Today · 4.125%
HK$40,443
baseline
▲ 0.50% · 4.625%
HK$42,904
+HK$2,461/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,886/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,338
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,473
−HK$1,152/mo
Today · 4.125%
HK$44,625
baseline
▲ 0.50% · 4.625%
HK$46,977
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,250/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,930
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,452
−HK$1,547/mo
Today · 4.125%
HK$51,999
baseline
▲ 0.50% · 4.625%
HK$55,162
+HK$3,163/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,998/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,434
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,894
−HK$1,481/mo
Today · 4.125%
HK$57,375
baseline
▲ 0.50% · 4.625%
HK$60,400
+HK$3,025/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,750/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,046 · Scale 2, in force from 26 Feb 2026)