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$27,224
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,071
−HK$860/mo
Today · 4.125%
HK$28,931
baseline
▲ 0.50% · 4.625%
HK$30,691
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,862/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,286
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,098
−HK$824/mo
Today · 4.125%
HK$31,922
baseline
▲ 0.50% · 4.625%
HK$33,605
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,844/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,668
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,685
−HK$1,032/mo
Today · 4.125%
HK$34,717
baseline
▲ 0.50% · 4.625%
HK$36,830
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$69,434/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,343
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,318
−HK$989/mo
Today · 4.125%
HK$38,307
baseline
▲ 0.50% · 4.625%
HK$40,326
+HK$2,019/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$76,614/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,113
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,299
−HK$1,204/mo
Today · 4.125%
HK$40,503
baseline
▲ 0.50% · 4.625%
HK$42,968
+HK$2,465/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,006/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,401
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,538
−HK$1,153/mo
Today · 4.125%
HK$44,691
baseline
▲ 0.50% · 4.625%
HK$47,047
+HK$2,356/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,382/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,003
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,527
−HK$1,549/mo
Today · 4.125%
HK$52,076
baseline
▲ 0.50% · 4.625%
HK$55,244
+HK$3,168/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,152/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,515
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,977
−HK$1,483/mo
Today · 4.125%
HK$57,460
baseline
▲ 0.50% · 4.625%
HK$60,489
+HK$3,029/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,920/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,709 · Scale 2, in force from 26 Feb 2026)