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$27,160
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,005
−HK$858/mo
Today · 4.125%
HK$28,863
baseline
▲ 0.50% · 4.625%
HK$30,620
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,726/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,215
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,026
−HK$822/mo
Today · 4.125%
HK$31,848
baseline
▲ 0.50% · 4.625%
HK$33,527
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,696/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,592
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,606
−HK$1,030/mo
Today · 4.125%
HK$34,636
baseline
▲ 0.50% · 4.625%
HK$36,744
+HK$2,108/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$69,272/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,259
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,231
−HK$987/mo
Today · 4.125%
HK$38,218
baseline
▲ 0.50% · 4.625%
HK$40,232
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$76,436/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,024
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,207
−HK$1,202/mo
Today · 4.125%
HK$40,409
baseline
▲ 0.50% · 4.625%
HK$42,868
+HK$2,459/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,818/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,302
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,436
−HK$1,151/mo
Today · 4.125%
HK$44,587
baseline
▲ 0.50% · 4.625%
HK$46,937
+HK$2,350/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,174/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,888
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,409
−HK$1,545/mo
Today · 4.125%
HK$51,954
baseline
▲ 0.50% · 4.625%
HK$55,115
+HK$3,161/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,908/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,388
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,846
−HK$1,480/mo
Today · 4.125%
HK$57,326
baseline
▲ 0.50% · 4.625%
HK$60,348
+HK$3,022/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,652/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,664 · Scale 2, in force from 26 Feb 2026)