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$27,223
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,070
−HK$860/mo
Today · 4.125%
HK$28,930
baseline
▲ 0.50% · 4.625%
HK$30,690
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,860/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,285
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,098
−HK$824/mo
Today · 4.125%
HK$31,922
baseline
▲ 0.50% · 4.625%
HK$33,604
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,844/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,668
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,684
−HK$1,032/mo
Today · 4.125%
HK$34,716
baseline
▲ 0.50% · 4.625%
HK$36,829
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$69,432/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,342
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,317
−HK$989/mo
Today · 4.125%
HK$38,306
baseline
▲ 0.50% · 4.625%
HK$40,325
+HK$2,019/mo
Deposit HK$4.78M · loan HK$7.16M · min. income ≈ HK$76,612/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,112
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,298
−HK$1,204/mo
Today · 4.125%
HK$40,502
baseline
▲ 0.50% · 4.625%
HK$42,967
+HK$2,465/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,004/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,399
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,537
−HK$1,153/mo
Today · 4.125%
HK$44,690
baseline
▲ 0.50% · 4.625%
HK$47,046
+HK$2,356/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,380/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,001
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,526
−HK$1,548/mo
Today · 4.125%
HK$52,074
baseline
▲ 0.50% · 4.625%
HK$55,243
+HK$3,169/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,148/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,514
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,976
−HK$1,483/mo
Today · 4.125%
HK$57,459
baseline
▲ 0.50% · 4.625%
HK$60,488
+HK$3,029/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,918/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,697 · Scale 2, in force from 26 Feb 2026)