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$27,196
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,042
−HK$860/mo
Today · 4.125%
HK$28,902
baseline
▲ 0.50% · 4.625%
HK$30,661
+HK$1,759/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,804/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,256
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,067
−HK$823/mo
Today · 4.125%
HK$31,890
baseline
▲ 0.50% · 4.625%
HK$33,571
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,780/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,636
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,651
−HK$1,031/mo
Today · 4.125%
HK$34,682
baseline
▲ 0.50% · 4.625%
HK$36,793
+HK$2,111/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,364/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,307
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,281
−HK$988/mo
Today · 4.125%
HK$38,269
baseline
▲ 0.50% · 4.625%
HK$40,286
+HK$2,017/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,538/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,075
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,259
−HK$1,204/mo
Today · 4.125%
HK$40,463
baseline
▲ 0.50% · 4.625%
HK$42,925
+HK$2,462/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,926/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,358
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,494
−HK$1,153/mo
Today · 4.125%
HK$44,647
baseline
▲ 0.50% · 4.625%
HK$47,000
+HK$2,353/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,294/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,954
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,476
−HK$1,547/mo
Today · 4.125%
HK$52,023
baseline
▲ 0.50% · 4.625%
HK$55,189
+HK$3,166/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,046/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,460
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,921
−HK$1,482/mo
Today · 4.125%
HK$57,403
baseline
▲ 0.50% · 4.625%
HK$60,429
+HK$3,026/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,806/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,260 · Scale 2, in force from 26 Feb 2026)