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$27,214
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,061
−HK$860/mo
Today · 4.125%
HK$28,921
baseline
▲ 0.50% · 4.625%
HK$30,681
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,842/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,276
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,088
−HK$824/mo
Today · 4.125%
HK$31,912
baseline
▲ 0.50% · 4.625%
HK$33,594
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,824/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,657
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,673
−HK$1,032/mo
Today · 4.125%
HK$34,705
baseline
▲ 0.50% · 4.625%
HK$36,817
+HK$2,112/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,410/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,331
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,305
−HK$989/mo
Today · 4.125%
HK$38,294
baseline
▲ 0.50% · 4.625%
HK$40,312
+HK$2,018/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,588/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,100
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,285
−HK$1,204/mo
Today · 4.125%
HK$40,489
baseline
▲ 0.50% · 4.625%
HK$42,953
+HK$2,464/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,978/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,386
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,523
−HK$1,153/mo
Today · 4.125%
HK$44,676
baseline
▲ 0.50% · 4.625%
HK$47,031
+HK$2,355/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,352/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,986
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,510
−HK$1,548/mo
Today · 4.125%
HK$52,058
baseline
▲ 0.50% · 4.625%
HK$55,226
+HK$3,168/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,116/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,497
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,958
−HK$1,483/mo
Today · 4.125%
HK$57,441
baseline
▲ 0.50% · 4.625%
HK$60,469
+HK$3,028/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,882/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,557 · Scale 2, in force from 26 Feb 2026)