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$27,181
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,026
−HK$859/mo
Today · 4.125%
HK$28,885
baseline
▲ 0.50% · 4.625%
HK$30,643
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,770/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,238
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,049
−HK$823/mo
Today · 4.125%
HK$31,872
baseline
▲ 0.50% · 4.625%
HK$33,552
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,744/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,617
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,631
−HK$1,031/mo
Today · 4.125%
HK$34,662
baseline
▲ 0.50% · 4.625%
HK$36,771
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,324/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,286
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,259
−HK$987/mo
Today · 4.125%
HK$38,246
baseline
▲ 0.50% · 4.625%
HK$40,262
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,492/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,053
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,236
−HK$1,203/mo
Today · 4.125%
HK$40,439
baseline
▲ 0.50% · 4.625%
HK$42,900
+HK$2,461/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,878/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,333
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,469
−HK$1,151/mo
Today · 4.125%
HK$44,620
baseline
▲ 0.50% · 4.625%
HK$46,972
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,240/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,925
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,447
−HK$1,546/mo
Today · 4.125%
HK$51,993
baseline
▲ 0.50% · 4.625%
HK$55,157
+HK$3,164/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,986/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,428
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,888
−HK$1,481/mo
Today · 4.125%
HK$57,369
baseline
▲ 0.50% · 4.625%
HK$60,393
+HK$3,024/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,738/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,998 · Scale 2, in force from 26 Feb 2026)