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$27,231
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,078
−HK$861/mo
Today · 4.125%
HK$28,939
baseline
▲ 0.50% · 4.625%
HK$30,700
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,878/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,294
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,107
−HK$824/mo
Today · 4.125%
HK$31,931
baseline
▲ 0.50% · 4.625%
HK$33,614
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,862/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,677
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,694
−HK$1,033/mo
Today · 4.125%
HK$34,727
baseline
▲ 0.50% · 4.625%
HK$36,840
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,454/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,353
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,328
−HK$989/mo
Today · 4.125%
HK$38,317
baseline
▲ 0.50% · 4.625%
HK$40,337
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,634/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,124
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,310
−HK$1,204/mo
Today · 4.125%
HK$40,514
baseline
▲ 0.50% · 4.625%
HK$42,980
+HK$2,466/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,028/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,412
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,550
−HK$1,154/mo
Today · 4.125%
HK$44,704
baseline
▲ 0.50% · 4.625%
HK$47,060
+HK$2,356/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,408/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,016
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,541
−HK$1,549/mo
Today · 4.125%
HK$52,090
baseline
▲ 0.50% · 4.625%
HK$55,260
+HK$3,170/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,180/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,530
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,993
−HK$1,483/mo
Today · 4.125%
HK$57,476
baseline
▲ 0.50% · 4.625%
HK$60,506
+HK$3,030/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,952/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,832 · Scale 2, in force from 26 Feb 2026)