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$27,232
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,079
−HK$861/mo
Today · 4.125%
HK$28,940
baseline
▲ 0.50% · 4.625%
HK$30,701
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,880/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,296
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,108
−HK$824/mo
Today · 4.125%
HK$31,932
baseline
▲ 0.50% · 4.625%
HK$33,616
+HK$1,684/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,864/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,679
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,695
−HK$1,033/mo
Today · 4.125%
HK$34,728
baseline
▲ 0.50% · 4.625%
HK$36,841
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,456/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,355
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,330
−HK$989/mo
Today · 4.125%
HK$38,319
baseline
▲ 0.50% · 4.625%
HK$40,339
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,638/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,125
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,311
−HK$1,205/mo
Today · 4.125%
HK$40,516
baseline
▲ 0.50% · 4.625%
HK$42,981
+HK$2,465/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,032/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,414
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,551
−HK$1,154/mo
Today · 4.125%
HK$44,705
baseline
▲ 0.50% · 4.625%
HK$47,062
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,410/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,018
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,543
−HK$1,549/mo
Today · 4.125%
HK$52,092
baseline
▲ 0.50% · 4.625%
HK$55,262
+HK$3,170/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,184/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,532
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,995
−HK$1,483/mo
Today · 4.125%
HK$57,478
baseline
▲ 0.50% · 4.625%
HK$60,508
+HK$3,030/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,956/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,848 · Scale 2, in force from 26 Feb 2026)