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$27,233
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,081
−HK$860/mo
Today · 4.125%
HK$28,941
baseline
▲ 0.50% · 4.625%
HK$30,702
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,882/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,297
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,110
−HK$824/mo
Today · 4.125%
HK$31,934
baseline
▲ 0.50% · 4.625%
HK$33,617
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,868/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,680
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,697
−HK$1,033/mo
Today · 4.125%
HK$34,730
baseline
▲ 0.50% · 4.625%
HK$36,843
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,460/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,356
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,331
−HK$990/mo
Today · 4.125%
HK$38,321
baseline
▲ 0.50% · 4.625%
HK$40,341
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,642/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,127
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,313
−HK$1,205/mo
Today · 4.125%
HK$40,518
baseline
▲ 0.50% · 4.625%
HK$42,983
+HK$2,465/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,036/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,416
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,553
−HK$1,154/mo
Today · 4.125%
HK$44,707
baseline
▲ 0.50% · 4.625%
HK$47,064
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,414/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,020
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,545
−HK$1,549/mo
Today · 4.125%
HK$52,094
baseline
▲ 0.50% · 4.625%
HK$55,264
+HK$3,170/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,188/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,535
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,997
−HK$1,484/mo
Today · 4.125%
HK$57,481
baseline
▲ 0.50% · 4.625%
HK$60,511
+HK$3,030/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,962/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,869 · Scale 2, in force from 26 Feb 2026)