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$27,177
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,022
−HK$859/mo
Today · 4.125%
HK$28,881
baseline
▲ 0.50% · 4.625%
HK$30,638
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,762/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,234
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,045
−HK$822/mo
Today · 4.125%
HK$31,867
baseline
▲ 0.50% · 4.625%
HK$33,547
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,734/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$446,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,612
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,627
−HK$1,030/mo
Today · 4.125%
HK$34,657
baseline
▲ 0.50% · 4.625%
HK$36,766
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,314/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,281
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,254
−HK$987/mo
Today · 4.125%
HK$38,241
baseline
▲ 0.50% · 4.625%
HK$40,257
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,482/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,048
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,231
−HK$1,203/mo
Today · 4.125%
HK$40,434
baseline
▲ 0.50% · 4.625%
HK$42,894
+HK$2,460/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,868/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,328
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,463
−HK$1,151/mo
Today · 4.125%
HK$44,614
baseline
▲ 0.50% · 4.625%
HK$46,966
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,228/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,918
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,440
−HK$1,546/mo
Today · 4.125%
HK$51,986
baseline
▲ 0.50% · 4.625%
HK$55,149
+HK$3,163/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,972/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,421
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,881
−HK$1,480/mo
Today · 4.125%
HK$57,361
baseline
▲ 0.50% · 4.625%
HK$60,385
+HK$3,024/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,722/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,939 · Scale 2, in force from 26 Feb 2026)