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$27,033
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,874
−HK$854/mo
Today · 4.125%
HK$28,728
baseline
▲ 0.50% · 4.625%
HK$30,476
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,456/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,074
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,880
−HK$818/mo
Today · 4.125%
HK$31,698
baseline
▲ 0.50% · 4.625%
HK$33,369
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,396/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,439
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,448
−HK$1,026/mo
Today · 4.125%
HK$34,474
baseline
▲ 0.50% · 4.625%
HK$36,571
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,948/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,088
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,056
−HK$982/mo
Today · 4.125%
HK$38,038
baseline
▲ 0.50% · 4.625%
HK$40,043
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,076/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,846
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,023
−HK$1,196/mo
Today · 4.125%
HK$40,219
baseline
▲ 0.50% · 4.625%
HK$42,666
+HK$2,447/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,438/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,103
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,232
−HK$1,146/mo
Today · 4.125%
HK$44,378
baseline
▲ 0.50% · 4.625%
HK$46,717
+HK$2,339/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,756/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,659
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,173
−HK$1,537/mo
Today · 4.125%
HK$51,710
baseline
▲ 0.50% · 4.625%
HK$54,857
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,420/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,133
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,584
−HK$1,473/mo
Today · 4.125%
HK$57,057
baseline
▲ 0.50% · 4.625%
HK$60,065
+HK$3,008/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,114/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,569 · Scale 2, in force from 26 Feb 2026)