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$27,039
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,880
−HK$854/mo
Today · 4.125%
HK$28,734
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,468/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,080
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,887
−HK$818/mo
Today · 4.125%
HK$31,705
baseline
▲ 0.50% · 4.625%
HK$33,376
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,410/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,446
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,455
−HK$1,026/mo
Today · 4.125%
HK$34,481
baseline
▲ 0.50% · 4.625%
HK$36,579
+HK$2,098/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,962/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,096
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,064
−HK$982/mo
Today · 4.125%
HK$38,046
baseline
▲ 0.50% · 4.625%
HK$40,052
+HK$2,006/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,092/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,854
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,031
−HK$1,197/mo
Today · 4.125%
HK$40,228
baseline
▲ 0.50% · 4.625%
HK$42,675
+HK$2,447/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,456/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,112
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,242
−HK$1,145/mo
Today · 4.125%
HK$44,387
baseline
▲ 0.50% · 4.625%
HK$46,727
+HK$2,340/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,774/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,669
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,183
−HK$1,538/mo
Today · 4.125%
HK$51,721
baseline
▲ 0.50% · 4.625%
HK$54,868
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,442/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,144
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,596
−HK$1,473/mo
Today · 4.125%
HK$57,069
baseline
▲ 0.50% · 4.625%
HK$60,078
+HK$3,009/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,138/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,663 · Scale 2, in force from 26 Feb 2026)