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$27,205
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,051
−HK$860/mo
Today · 4.125%
HK$28,911
baseline
▲ 0.50% · 4.625%
HK$30,670
+HK$1,759/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,822/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,265
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,077
−HK$823/mo
Today · 4.125%
HK$31,900
baseline
▲ 0.50% · 4.625%
HK$33,582
+HK$1,682/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,800/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,646
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,661
−HK$1,032/mo
Today · 4.125%
HK$34,693
baseline
▲ 0.50% · 4.625%
HK$36,804
+HK$2,111/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,386/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,318
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,292
−HK$988/mo
Today · 4.125%
HK$38,280
baseline
▲ 0.50% · 4.625%
HK$40,298
+HK$2,018/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,560/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,087
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,271
−HK$1,204/mo
Today · 4.125%
HK$40,475
baseline
▲ 0.50% · 4.625%
HK$42,938
+HK$2,463/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,950/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,371
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,508
−HK$1,152/mo
Today · 4.125%
HK$44,660
baseline
▲ 0.50% · 4.625%
HK$47,014
+HK$2,354/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,320/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,969
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,492
−HK$1,547/mo
Today · 4.125%
HK$52,039
baseline
▲ 0.50% · 4.625%
HK$55,206
+HK$3,167/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,078/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,477
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,938
−HK$1,482/mo
Today · 4.125%
HK$57,420
baseline
▲ 0.50% · 4.625%
HK$60,447
+HK$3,027/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,840/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,398 · Scale 2, in force from 26 Feb 2026)