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$30,452
+HK$1,746/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$444,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,050
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,856
−HK$818/mo
Today · 4.125%
HK$31,674
baseline
▲ 0.50% · 4.625%
HK$33,343
+HK$1,669/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$444,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,414
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,422
−HK$1,025/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$444,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,060
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,027
−HK$981/mo
Today · 4.125%
HK$38,008
baseline
▲ 0.50% · 4.625%
HK$40,012
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,016/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,816
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,993
−HK$1,195/mo
Today · 4.125%
HK$40,188
baseline
▲ 0.50% · 4.625%
HK$42,633
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,376/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,070
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,199
−HK$1,144/mo
Today · 4.125%
HK$44,343
baseline
▲ 0.50% · 4.625%
HK$46,681
+HK$2,338/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,686/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,621
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,133
−HK$1,537/mo
Today · 4.125%
HK$51,670
baseline
▲ 0.50% · 4.625%
HK$54,814
+HK$3,144/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,340/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,090
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,541
−HK$1,472/mo
Today · 4.125%
HK$57,013
baseline
▲ 0.50% · 4.625%
HK$60,018
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,026/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,221 · Scale 2, in force from 26 Feb 2026)