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$27,220
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,067
−HK$860/mo
Today · 4.125%
HK$28,927
baseline
▲ 0.50% · 4.625%
HK$30,687
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,854/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,282
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,094
−HK$824/mo
Today · 4.125%
HK$31,918
baseline
▲ 0.50% · 4.625%
HK$33,601
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,836/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,664
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,680
−HK$1,032/mo
Today · 4.125%
HK$34,712
baseline
▲ 0.50% · 4.625%
HK$36,825
+HK$2,113/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,424/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,339
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,313
−HK$989/mo
Today · 4.125%
HK$38,302
baseline
▲ 0.50% · 4.625%
HK$40,321
+HK$2,019/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,604/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,108
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,294
−HK$1,204/mo
Today · 4.125%
HK$40,498
baseline
▲ 0.50% · 4.625%
HK$42,962
+HK$2,464/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$80,996/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,395
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,532
−HK$1,153/mo
Today · 4.125%
HK$44,685
baseline
▲ 0.50% · 4.625%
HK$47,041
+HK$2,356/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,370/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,996
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,520
−HK$1,549/mo
Today · 4.125%
HK$52,069
baseline
▲ 0.50% · 4.625%
HK$55,237
+HK$3,168/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,138/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,508
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,970
−HK$1,483/mo
Today · 4.125%
HK$57,453
baseline
▲ 0.50% · 4.625%
HK$60,481
+HK$3,028/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,906/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,650 · Scale 2, in force from 26 Feb 2026)