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$27,182
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,028
−HK$859/mo
Today · 4.125%
HK$28,887
baseline
▲ 0.50% · 4.625%
HK$30,644
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,774/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,240
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,051
−HK$823/mo
Today · 4.125%
HK$31,874
baseline
▲ 0.50% · 4.625%
HK$33,554
+HK$1,680/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,748/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,619
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,633
−HK$1,031/mo
Today · 4.125%
HK$34,664
baseline
▲ 0.50% · 4.625%
HK$36,773
+HK$2,109/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,328/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,288
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,261
−HK$987/mo
Today · 4.125%
HK$38,248
baseline
▲ 0.50% · 4.625%
HK$40,265
+HK$2,017/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,496/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,055
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,239
−HK$1,202/mo
Today · 4.125%
HK$40,441
baseline
▲ 0.50% · 4.625%
HK$42,902
+HK$2,461/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$80,882/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,336
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,471
−HK$1,152/mo
Today · 4.125%
HK$44,623
baseline
▲ 0.50% · 4.625%
HK$46,975
+HK$2,352/mo
Deposit HK$3.58M · loan HK$8.34M · min. income ≈ HK$89,246/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$447,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,928
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,450
−HK$1,546/mo
Today · 4.125%
HK$51,996
baseline
▲ 0.50% · 4.625%
HK$55,160
+HK$3,164/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$103,992/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,432
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,892
−HK$1,481/mo
Today · 4.125%
HK$57,373
baseline
▲ 0.50% · 4.625%
HK$60,397
+HK$3,024/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,746/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,025 · Scale 2, in force from 26 Feb 2026)