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$27,218
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,065
−HK$860/mo
Today · 4.125%
HK$28,925
baseline
▲ 0.50% · 4.625%
HK$30,685
+HK$1,760/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,850/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,280
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,092
−HK$824/mo
Today · 4.125%
HK$31,916
baseline
▲ 0.50% · 4.625%
HK$33,598
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,832/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,662
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,678
−HK$1,032/mo
Today · 4.125%
HK$34,710
baseline
▲ 0.50% · 4.625%
HK$36,822
+HK$2,112/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,420/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,336
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,311
−HK$988/mo
Today · 4.125%
HK$38,299
baseline
▲ 0.50% · 4.625%
HK$40,318
+HK$2,019/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,598/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,106
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,291
−HK$1,204/mo
Today · 4.125%
HK$40,495
baseline
▲ 0.50% · 4.625%
HK$42,959
+HK$2,464/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$80,990/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,392
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,529
−HK$1,153/mo
Today · 4.125%
HK$44,682
baseline
▲ 0.50% · 4.625%
HK$47,038
+HK$2,356/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,364/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,993
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,517
−HK$1,548/mo
Today · 4.125%
HK$52,065
baseline
▲ 0.50% · 4.625%
HK$55,233
+HK$3,168/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,130/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,504
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,966
−HK$1,483/mo
Today · 4.125%
HK$57,449
baseline
▲ 0.50% · 4.625%
HK$60,477
+HK$3,028/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,898/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,619 · Scale 2, in force from 26 Feb 2026)