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$27,246
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,094
−HK$861/mo
Today · 4.125%
HK$28,955
baseline
▲ 0.50% · 4.625%
HK$30,717
+HK$1,762/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,910/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,311
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,124
−HK$825/mo
Today · 4.125%
HK$31,949
baseline
▲ 0.50% · 4.625%
HK$33,633
+HK$1,684/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,898/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,695
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,712
−HK$1,034/mo
Today · 4.125%
HK$34,746
baseline
▲ 0.50% · 4.625%
HK$36,860
+HK$2,114/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,492/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,373
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,349
−HK$989/mo
Today · 4.125%
HK$38,338
baseline
▲ 0.50% · 4.625%
HK$40,359
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,676/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,145
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,331
−HK$1,206/mo
Today · 4.125%
HK$40,537
baseline
▲ 0.50% · 4.625%
HK$43,003
+HK$2,466/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,074/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,436
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,574
−HK$1,154/mo
Today · 4.125%
HK$44,728
baseline
▲ 0.50% · 4.625%
HK$47,086
+HK$2,358/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,456/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,043
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,569
−HK$1,550/mo
Today · 4.125%
HK$52,119
baseline
▲ 0.50% · 4.625%
HK$55,290
+HK$3,171/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,238/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,560
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,023
−HK$1,485/mo
Today · 4.125%
HK$57,508
baseline
▲ 0.50% · 4.625%
HK$60,539
+HK$3,031/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$115,016/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,078 · Scale 2, in force from 26 Feb 2026)