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$26,993
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,833
−HK$853/mo
Today · 4.125%
HK$28,686
baseline
▲ 0.50% · 4.625%
HK$30,431
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,372/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,029
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,835
−HK$817/mo
Today · 4.125%
HK$31,652
baseline
▲ 0.50% · 4.625%
HK$33,320
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,304/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,392
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,399
−HK$1,024/mo
Today · 4.125%
HK$34,423
baseline
▲ 0.50% · 4.625%
HK$36,517
+HK$2,094/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$68,846/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,035
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,002
−HK$980/mo
Today · 4.125%
HK$37,982
baseline
▲ 0.50% · 4.625%
HK$39,984
+HK$2,002/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$75,964/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,790
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,966
−HK$1,194/mo
Today · 4.125%
HK$40,160
baseline
▲ 0.50% · 4.625%
HK$42,604
+HK$2,444/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,320/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,041
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,169
−HK$1,144/mo
Today · 4.125%
HK$44,313
baseline
▲ 0.50% · 4.625%
HK$46,648
+HK$2,335/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,626/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,587
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,099
−HK$1,535/mo
Today · 4.125%
HK$51,634
baseline
▲ 0.50% · 4.625%
HK$54,776
+HK$3,142/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,268/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,053
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,503
−HK$1,470/mo
Today · 4.125%
HK$56,973
baseline
▲ 0.50% · 4.625%
HK$59,976
+HK$3,003/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,946/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,914 · Scale 2, in force from 26 Feb 2026)