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$27,215
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,062
−HK$860/mo
Today · 4.125%
HK$28,922
baseline
▲ 0.50% · 4.625%
HK$30,682
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,844/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,277
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,089
−HK$823/mo
Today · 4.125%
HK$31,912
baseline
▲ 0.50% · 4.625%
HK$33,595
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,824/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,658
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$1,032/mo
Today · 4.125%
HK$34,706
baseline
▲ 0.50% · 4.625%
HK$36,818
+HK$2,112/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,412/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,332
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,306
−HK$989/mo
Today · 4.125%
HK$38,295
baseline
▲ 0.50% · 4.625%
HK$40,314
+HK$2,019/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,590/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,101
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,287
−HK$1,204/mo
Today · 4.125%
HK$40,491
baseline
▲ 0.50% · 4.625%
HK$42,954
+HK$2,463/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,982/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,387
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,524
−HK$1,153/mo
Today · 4.125%
HK$44,677
baseline
▲ 0.50% · 4.625%
HK$47,032
+HK$2,355/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,354/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,987
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,511
−HK$1,548/mo
Today · 4.125%
HK$52,059
baseline
▲ 0.50% · 4.625%
HK$55,227
+HK$3,168/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,118/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,498
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,960
−HK$1,482/mo
Today · 4.125%
HK$57,442
baseline
▲ 0.50% · 4.625%
HK$60,470
+HK$3,028/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,884/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,569 · Scale 2, in force from 26 Feb 2026)