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$1,704/mo
▼ 0.25% · 3.875%
HK$28,013
−HK$859/mo
Today · 4.125%
HK$28,872
baseline
▲ 0.50% · 4.625%
HK$30,628
+HK$1,756/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,744/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,224
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,035
−HK$822/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$446,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,602
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,616
−HK$1,030/mo
Today · 4.125%
HK$34,646
baseline
▲ 0.50% · 4.625%
HK$36,754
+HK$2,108/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,292/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,269
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,242
−HK$986/mo
Today · 4.125%
HK$38,228
baseline
▲ 0.50% · 4.625%
HK$40,244
+HK$2,016/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$446,793 · 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$42,880
+HK$2,460/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$446,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,314
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,449
−HK$1,151/mo
Today · 4.125%
HK$44,600
baseline
▲ 0.50% · 4.625%
HK$46,951
+HK$2,351/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,200/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,902
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,424
−HK$1,545/mo
Today · 4.125%
HK$51,969
baseline
▲ 0.50% · 4.625%
HK$55,131
+HK$3,162/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,938/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,403
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,863
−HK$1,480/mo
Today · 4.125%
HK$57,343
baseline
▲ 0.50% · 4.625%
HK$60,365
+HK$3,022/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,686/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,793 · Scale 2, in force from 26 Feb 2026)