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$27,171
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,016
−HK$859/mo
Today · 4.125%
HK$28,875
baseline
▲ 0.50% · 4.625%
HK$30,632
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,750/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,227
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,038
−HK$823/mo
Today · 4.125%
HK$31,861
baseline
▲ 0.50% · 4.625%
HK$33,540
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,722/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,605
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,619
−HK$1,031/mo
Today · 4.125%
HK$34,650
baseline
▲ 0.50% · 4.625%
HK$36,758
+HK$2,108/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,300/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,273
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,246
−HK$987/mo
Today · 4.125%
HK$38,233
baseline
▲ 0.50% · 4.625%
HK$40,248
+HK$2,015/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,466/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,039
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,223
−HK$1,202/mo
Today · 4.125%
HK$40,425
baseline
▲ 0.50% · 4.625%
HK$42,885
+HK$2,460/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,850/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,318
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,453
−HK$1,152/mo
Today · 4.125%
HK$44,605
baseline
▲ 0.50% · 4.625%
HK$46,956
+HK$2,351/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,210/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,908
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,429
−HK$1,546/mo
Today · 4.125%
HK$51,975
baseline
▲ 0.50% · 4.625%
HK$55,137
+HK$3,162/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,950/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,409
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,869
−HK$1,480/mo
Today · 4.125%
HK$57,349
baseline
▲ 0.50% · 4.625%
HK$60,372
+HK$3,023/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,698/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,841 · Scale 2, in force from 26 Feb 2026)