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$27,012
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,852
−HK$854/mo
Today · 4.125%
HK$28,706
baseline
▲ 0.50% · 4.625%
HK$30,453
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,412/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,051
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,857
−HK$817/mo
Today · 4.125%
HK$31,674
baseline
▲ 0.50% · 4.625%
HK$33,344
+HK$1,670/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,348/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,415
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,423
−HK$1,024/mo
Today · 4.125%
HK$34,447
baseline
▲ 0.50% · 4.625%
HK$36,543
+HK$2,096/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,894/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,061
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,028
−HK$981/mo
Today · 4.125%
HK$38,009
baseline
▲ 0.50% · 4.625%
HK$40,013
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,018/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,817
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,993
−HK$1,196/mo
Today · 4.125%
HK$40,189
baseline
▲ 0.50% · 4.625%
HK$42,634
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,378/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,071
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,199
−HK$1,145/mo
Today · 4.125%
HK$44,344
baseline
▲ 0.50% · 4.625%
HK$46,682
+HK$2,338/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,688/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,622
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,134
−HK$1,537/mo
Today · 4.125%
HK$51,671
baseline
▲ 0.50% · 4.625%
HK$54,815
+HK$3,144/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,342/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,091
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,542
−HK$1,472/mo
Today · 4.125%
HK$57,014
baseline
▲ 0.50% · 4.625%
HK$60,019
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,028/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,230 · Scale 2, in force from 26 Feb 2026)