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$27,000
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,840
−HK$853/mo
Today · 4.125%
HK$28,693
baseline
▲ 0.50% · 4.625%
HK$30,439
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,386/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$444,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,037
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,843
−HK$817/mo
Today · 4.125%
HK$31,660
baseline
▲ 0.50% · 4.625%
HK$33,329
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,320/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$444,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,400
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,408
−HK$1,024/mo
Today · 4.125%
HK$34,432
baseline
▲ 0.50% · 4.625%
HK$36,527
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$68,864/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,045
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,011
−HK$981/mo
Today · 4.125%
HK$37,992
baseline
▲ 0.50% · 4.625%
HK$39,995
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$75,984/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,800
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,976
−HK$1,194/mo
Today · 4.125%
HK$40,170
baseline
▲ 0.50% · 4.625%
HK$42,615
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,340/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,052
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,180
−HK$1,144/mo
Today · 4.125%
HK$44,324
baseline
▲ 0.50% · 4.625%
HK$46,660
+HK$2,336/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,648/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,600
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,112
−HK$1,536/mo
Today · 4.125%
HK$51,648
baseline
▲ 0.50% · 4.625%
HK$54,790
+HK$3,142/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,296/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,067
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,517
−HK$1,471/mo
Today · 4.125%
HK$56,988
baseline
▲ 0.50% · 4.625%
HK$59,992
+HK$3,004/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$113,976/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,029 · Scale 2, in force from 26 Feb 2026)