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$27,185
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,031
−HK$859/mo
Today · 4.125%
HK$28,890
baseline
▲ 0.50% · 4.625%
HK$30,648
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,780/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,244
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,055
−HK$822/mo
Today · 4.125%
HK$31,877
baseline
▲ 0.50% · 4.625%
HK$33,558
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,754/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,622
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,637
−HK$1,031/mo
Today · 4.125%
HK$34,668
baseline
▲ 0.50% · 4.625%
HK$36,778
+HK$2,110/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,336/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,292
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,266
−HK$987/mo
Today · 4.125%
HK$38,253
baseline
▲ 0.50% · 4.625%
HK$40,269
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,506/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,060
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,243
−HK$1,203/mo
Today · 4.125%
HK$40,446
baseline
▲ 0.50% · 4.625%
HK$42,907
+HK$2,461/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,892/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,341
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,476
−HK$1,152/mo
Today · 4.125%
HK$44,628
baseline
▲ 0.50% · 4.625%
HK$46,981
+HK$2,353/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,256/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,934
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,456
−HK$1,546/mo
Today · 4.125%
HK$52,002
baseline
▲ 0.50% · 4.625%
HK$55,167
+HK$3,165/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,004/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,438
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,898
−HK$1,481/mo
Today · 4.125%
HK$57,379
baseline
▲ 0.50% · 4.625%
HK$60,404
+HK$3,025/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,758/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,079 · Scale 2, in force from 26 Feb 2026)