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$27,186
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,032
−HK$859/mo
Today · 4.125%
HK$28,891
baseline
▲ 0.50% · 4.625%
HK$30,649
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,782/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,244
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,055
−HK$823/mo
Today · 4.125%
HK$31,878
baseline
▲ 0.50% · 4.625%
HK$33,558
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,756/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,623
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,638
−HK$1,031/mo
Today · 4.125%
HK$34,669
baseline
▲ 0.50% · 4.625%
HK$36,778
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,338/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,293
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,266
−HK$988/mo
Today · 4.125%
HK$38,254
baseline
▲ 0.50% · 4.625%
HK$40,270
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,508/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,060
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,244
−HK$1,203/mo
Today · 4.125%
HK$40,447
baseline
▲ 0.50% · 4.625%
HK$42,908
+HK$2,461/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,894/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,342
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,477
−HK$1,152/mo
Today · 4.125%
HK$44,629
baseline
▲ 0.50% · 4.625%
HK$46,982
+HK$2,353/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,258/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,935
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,457
−HK$1,546/mo
Today · 4.125%
HK$52,003
baseline
▲ 0.50% · 4.625%
HK$55,168
+HK$3,165/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,006/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,439
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,899
−HK$1,481/mo
Today · 4.125%
HK$57,380
baseline
▲ 0.50% · 4.625%
HK$60,405
+HK$3,025/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,760/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,087 · Scale 2, in force from 26 Feb 2026)