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$30,432
+HK$1,746/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$443,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,030
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,835
−HK$817/mo
Today · 4.125%
HK$31,652
baseline
▲ 0.50% · 4.625%
HK$33,321
+HK$1,669/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$443,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,392
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,400
−HK$1,023/mo
Today · 4.125%
HK$34,423
baseline
▲ 0.50% · 4.625%
HK$36,518
+HK$2,095/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$443,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,036
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,002
−HK$981/mo
Today · 4.125%
HK$37,983
baseline
▲ 0.50% · 4.625%
HK$39,985
+HK$2,002/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$75,966/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,791
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,966
−HK$1,195/mo
Today · 4.125%
HK$40,161
baseline
▲ 0.50% · 4.625%
HK$42,604
+HK$2,443/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,322/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,042
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,169
−HK$1,144/mo
Today · 4.125%
HK$44,313
baseline
▲ 0.50% · 4.625%
HK$46,649
+HK$2,336/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$443,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,588
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,100
−HK$1,535/mo
Today · 4.125%
HK$51,635
baseline
▲ 0.50% · 4.625%
HK$54,777
+HK$3,142/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,270/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,054
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,504
−HK$1,470/mo
Today · 4.125%
HK$56,974
baseline
▲ 0.50% · 4.625%
HK$59,977
+HK$3,003/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,948/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,921 · Scale 2, in force from 26 Feb 2026)