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$27,240
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,087
−HK$861/mo
Today · 4.125%
HK$28,948
baseline
▲ 0.50% · 4.625%
HK$30,709
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,896/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,304
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,117
−HK$824/mo
Today · 4.125%
HK$31,941
baseline
▲ 0.50% · 4.625%
HK$33,625
+HK$1,684/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,882/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,688
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,704
−HK$1,033/mo
Today · 4.125%
HK$34,737
baseline
▲ 0.50% · 4.625%
HK$36,851
+HK$2,114/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,474/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,365
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,340
−HK$989/mo
Today · 4.125%
HK$38,329
baseline
▲ 0.50% · 4.625%
HK$40,350
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,658/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,136
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,322
−HK$1,205/mo
Today · 4.125%
HK$40,527
baseline
▲ 0.50% · 4.625%
HK$42,993
+HK$2,466/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,054/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,425
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,563
−HK$1,155/mo
Today · 4.125%
HK$44,718
baseline
▲ 0.50% · 4.625%
HK$47,075
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,436/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,031
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,557
−HK$1,549/mo
Today · 4.125%
HK$52,106
baseline
▲ 0.50% · 4.625%
HK$55,277
+HK$3,171/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,212/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,547
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,010
−HK$1,484/mo
Today · 4.125%
HK$57,494
baseline
▲ 0.50% · 4.625%
HK$60,525
+HK$3,031/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,988/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,971 · Scale 2, in force from 26 Feb 2026)