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$27,185
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,030
−HK$859/mo
Today · 4.125%
HK$28,889
baseline
▲ 0.50% · 4.625%
HK$30,647
+HK$1,758/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,778/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,243
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,054
−HK$822/mo
Today · 4.125%
HK$31,876
baseline
▲ 0.50% · 4.625%
HK$33,557
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,752/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,621
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,636
−HK$1,031/mo
Today · 4.125%
HK$34,667
baseline
▲ 0.50% · 4.625%
HK$36,776
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,334/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,291
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,264
−HK$988/mo
Today · 4.125%
HK$38,252
baseline
▲ 0.50% · 4.625%
HK$40,268
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,504/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,058
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,242
−HK$1,203/mo
Today · 4.125%
HK$40,445
baseline
▲ 0.50% · 4.625%
HK$42,906
+HK$2,461/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,890/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,340
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,475
−HK$1,152/mo
Today · 4.125%
HK$44,627
baseline
▲ 0.50% · 4.625%
HK$46,979
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,254/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,932
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,454
−HK$1,547/mo
Today · 4.125%
HK$52,001
baseline
▲ 0.50% · 4.625%
HK$55,165
+HK$3,164/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,002/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,437
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,896
−HK$1,482/mo
Today · 4.125%
HK$57,378
baseline
▲ 0.50% · 4.625%
HK$60,402
+HK$3,024/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,756/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,064 · Scale 2, in force from 26 Feb 2026)