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$27,187
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,033
−HK$859/mo
Today · 4.125%
HK$28,892
baseline
▲ 0.50% · 4.625%
HK$30,650
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,784/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,245
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,056
−HK$823/mo
Today · 4.125%
HK$31,879
baseline
▲ 0.50% · 4.625%
HK$33,560
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,758/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,624
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,639
−HK$1,031/mo
Today · 4.125%
HK$34,670
baseline
▲ 0.50% · 4.625%
HK$36,780
+HK$2,110/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,340/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,294
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,268
−HK$987/mo
Today · 4.125%
HK$38,255
baseline
▲ 0.50% · 4.625%
HK$40,272
+HK$2,017/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,510/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,062
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,246
−HK$1,202/mo
Today · 4.125%
HK$40,448
baseline
▲ 0.50% · 4.625%
HK$42,910
+HK$2,462/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,896/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,343
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,479
−HK$1,152/mo
Today · 4.125%
HK$44,631
baseline
▲ 0.50% · 4.625%
HK$46,983
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,262/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,936
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,459
−HK$1,546/mo
Today · 4.125%
HK$52,005
baseline
▲ 0.50% · 4.625%
HK$55,170
+HK$3,165/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,010/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,441
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,901
−HK$1,482/mo
Today · 4.125%
HK$57,383
baseline
▲ 0.50% · 4.625%
HK$60,407
+HK$3,024/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,766/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,103 · Scale 2, in force from 26 Feb 2026)