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$27,027
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,867
−HK$854/mo
Today · 4.125%
HK$28,721
baseline
▲ 0.50% · 4.625%
HK$30,469
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,442/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,067
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,873
−HK$818/mo
Today · 4.125%
HK$31,691
baseline
▲ 0.50% · 4.625%
HK$33,362
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,382/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,441
−HK$1,025/mo
Today · 4.125%
HK$34,466
baseline
▲ 0.50% · 4.625%
HK$36,563
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,932/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,080
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,048
−HK$982/mo
Today · 4.125%
HK$38,030
baseline
▲ 0.50% · 4.625%
HK$40,034
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,060/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,837
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,014
−HK$1,196/mo
Today · 4.125%
HK$40,210
baseline
▲ 0.50% · 4.625%
HK$42,657
+HK$2,447/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,420/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,094
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,223
−HK$1,145/mo
Today · 4.125%
HK$44,368
baseline
▲ 0.50% · 4.625%
HK$46,707
+HK$2,339/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,736/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,648
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,161
−HK$1,538/mo
Today · 4.125%
HK$51,699
baseline
▲ 0.50% · 4.625%
HK$54,844
+HK$3,145/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,398/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,120
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,572
−HK$1,472/mo
Today · 4.125%
HK$57,044
baseline
▲ 0.50% · 4.625%
HK$60,051
+HK$3,007/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,088/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,468 · Scale 2, in force from 26 Feb 2026)