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$27,221
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,067
−HK$861/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,688
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,856/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,283
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,095
−HK$824/mo
Today · 4.125%
HK$31,919
baseline
▲ 0.50% · 4.625%
HK$33,601
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,838/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,665
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,681
−HK$1,032/mo
Today · 4.125%
HK$34,713
baseline
▲ 0.50% · 4.625%
HK$36,825
+HK$2,112/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$69,426/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,339
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,314
−HK$989/mo
Today · 4.125%
HK$38,303
baseline
▲ 0.50% · 4.625%
HK$40,322
+HK$2,019/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$76,606/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,109
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,294
−HK$1,205/mo
Today · 4.125%
HK$40,499
baseline
▲ 0.50% · 4.625%
HK$42,963
+HK$2,464/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$80,998/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,396
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,533
−HK$1,153/mo
Today · 4.125%
HK$44,686
baseline
▲ 0.50% · 4.625%
HK$47,042
+HK$2,356/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,372/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,997
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,521
−HK$1,549/mo
Today · 4.125%
HK$52,070
baseline
▲ 0.50% · 4.625%
HK$55,238
+HK$3,168/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,140/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,509
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,971
−HK$1,483/mo
Today · 4.125%
HK$57,454
baseline
▲ 0.50% · 4.625%
HK$60,482
+HK$3,028/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,908/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,660 · Scale 2, in force from 26 Feb 2026)