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$27,234
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,082
−HK$860/mo
Today · 4.125%
HK$28,942
baseline
▲ 0.50% · 4.625%
HK$30,703
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,884/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,298
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,111
−HK$824/mo
Today · 4.125%
HK$31,935
baseline
▲ 0.50% · 4.625%
HK$33,618
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,870/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,681
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,698
−HK$1,033/mo
Today · 4.125%
HK$34,731
baseline
▲ 0.50% · 4.625%
HK$36,844
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,462/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,358
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,333
−HK$989/mo
Today · 4.125%
HK$38,322
baseline
▲ 0.50% · 4.625%
HK$40,342
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,644/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,128
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,314
−HK$1,205/mo
Today · 4.125%
HK$40,519
baseline
▲ 0.50% · 4.625%
HK$42,985
+HK$2,466/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,038/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,417
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,555
−HK$1,154/mo
Today · 4.125%
HK$44,709
baseline
▲ 0.50% · 4.625%
HK$47,066
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,418/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,022
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,547
−HK$1,549/mo
Today · 4.125%
HK$52,096
baseline
▲ 0.50% · 4.625%
HK$55,266
+HK$3,170/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,192/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,537
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,999
−HK$1,484/mo
Today · 4.125%
HK$57,483
baseline
▲ 0.50% · 4.625%
HK$60,513
+HK$3,030/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,966/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,886 · Scale 2, in force from 26 Feb 2026)