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$1,706/mo
▼ 0.25% · 3.875%
HK$28,060
−HK$860/mo
Today · 4.125%
HK$28,920
baseline
▲ 0.50% · 4.625%
HK$30,680
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,840/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,275
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,087
−HK$823/mo
Today · 4.125%
HK$31,910
baseline
▲ 0.50% · 4.625%
HK$33,593
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,820/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,656
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,672
−HK$1,032/mo
Today · 4.125%
HK$34,704
baseline
▲ 0.50% · 4.625%
HK$36,816
+HK$2,112/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,408/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,330
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,304
−HK$989/mo
Today · 4.125%
HK$38,293
baseline
▲ 0.50% · 4.625%
HK$40,311
+HK$2,018/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,586/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,099
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,284
−HK$1,204/mo
Today · 4.125%
HK$40,488
baseline
▲ 0.50% · 4.625%
HK$42,952
+HK$2,464/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,976/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,385
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,521
−HK$1,154/mo
Today · 4.125%
HK$44,675
baseline
▲ 0.50% · 4.625%
HK$47,030
+HK$2,355/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,350/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,984
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,508
−HK$1,548/mo
Today · 4.125%
HK$52,056
baseline
▲ 0.50% · 4.625%
HK$55,224
+HK$3,168/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,112/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,495
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,956
−HK$1,483/mo
Today · 4.125%
HK$57,439
baseline
▲ 0.50% · 4.625%
HK$60,467
+HK$3,028/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,878/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,542 · Scale 2, in force from 26 Feb 2026)