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$27,227
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,074
−HK$861/mo
Today · 4.125%
HK$28,935
baseline
▲ 0.50% · 4.625%
HK$30,695
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,870/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,290
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,102
−HK$824/mo
Today · 4.125%
HK$31,926
baseline
▲ 0.50% · 4.625%
HK$33,609
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,852/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,673
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,689
−HK$1,032/mo
Today · 4.125%
HK$34,721
baseline
▲ 0.50% · 4.625%
HK$36,834
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$69,442/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,348
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,323
−HK$989/mo
Today · 4.125%
HK$38,312
baseline
▲ 0.50% · 4.625%
HK$40,331
+HK$2,019/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$76,624/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,118
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,304
−HK$1,204/mo
Today · 4.125%
HK$40,508
baseline
▲ 0.50% · 4.625%
HK$42,973
+HK$2,465/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,016/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,406
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,543
−HK$1,154/mo
Today · 4.125%
HK$44,697
baseline
▲ 0.50% · 4.625%
HK$47,053
+HK$2,356/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,394/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,009
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,533
−HK$1,549/mo
Today · 4.125%
HK$52,082
baseline
▲ 0.50% · 4.625%
HK$55,251
+HK$3,169/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,164/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,522
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,984
−HK$1,484/mo
Today · 4.125%
HK$57,468
baseline
▲ 0.50% · 4.625%
HK$60,497
+HK$3,029/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,936/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,765 · Scale 2, in force from 26 Feb 2026)