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$27,039
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,880
−HK$854/mo
Today · 4.125%
HK$28,734
baseline
▲ 0.50% · 4.625%
HK$30,483
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,468/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,080
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,887
−HK$819/mo
Today · 4.125%
HK$31,706
baseline
▲ 0.50% · 4.625%
HK$33,377
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,412/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,447
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,456
−HK$1,025/mo
Today · 4.125%
HK$34,481
baseline
▲ 0.50% · 4.625%
HK$36,579
+HK$2,098/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,962/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,097
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,065
−HK$982/mo
Today · 4.125%
HK$38,047
baseline
▲ 0.50% · 4.625%
HK$40,052
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,094/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,854
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,032
−HK$1,196/mo
Today · 4.125%
HK$40,228
baseline
▲ 0.50% · 4.625%
HK$42,676
+HK$2,448/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,456/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,113
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,242
−HK$1,146/mo
Today · 4.125%
HK$44,388
baseline
▲ 0.50% · 4.625%
HK$46,728
+HK$2,340/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,776/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,670
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,184
−HK$1,538/mo
Today · 4.125%
HK$51,722
baseline
▲ 0.50% · 4.625%
HK$54,869
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,444/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,145
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,597
−HK$1,473/mo
Today · 4.125%
HK$57,070
baseline
▲ 0.50% · 4.625%
HK$60,078
+HK$3,008/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,140/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,669 · Scale 2, in force from 26 Feb 2026)