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$27,225
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,072
−HK$860/mo
Today · 4.125%
HK$28,932
baseline
▲ 0.50% · 4.625%
HK$30,692
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,864/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,287
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,100
−HK$824/mo
Today · 4.125%
HK$31,924
baseline
▲ 0.50% · 4.625%
HK$33,606
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,848/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,670
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,686
−HK$1,032/mo
Today · 4.125%
HK$34,718
baseline
▲ 0.50% · 4.625%
HK$36,831
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$69,436/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,345
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,319
−HK$989/mo
Today · 4.125%
HK$38,308
baseline
▲ 0.50% · 4.625%
HK$40,328
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$76,616/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,115
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,300
−HK$1,205/mo
Today · 4.125%
HK$40,505
baseline
▲ 0.50% · 4.625%
HK$42,969
+HK$2,464/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,010/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,402
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,539
−HK$1,154/mo
Today · 4.125%
HK$44,693
baseline
▲ 0.50% · 4.625%
HK$47,049
+HK$2,356/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,386/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,005
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,529
−HK$1,549/mo
Today · 4.125%
HK$52,078
baseline
▲ 0.50% · 4.625%
HK$55,246
+HK$3,168/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,156/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,517
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,979
−HK$1,483/mo
Today · 4.125%
HK$57,462
baseline
▲ 0.50% · 4.625%
HK$60,491
+HK$3,029/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,924/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,726 · Scale 2, in force from 26 Feb 2026)