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$27,021
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,862
−HK$854/mo
Today · 4.125%
HK$28,716
baseline
▲ 0.50% · 4.625%
HK$30,463
+HK$1,747/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,432/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,061
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,867
−HK$818/mo
Today · 4.125%
HK$31,685
baseline
▲ 0.50% · 4.625%
HK$33,355
+HK$1,670/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,370/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,426
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,434
−HK$1,025/mo
Today · 4.125%
HK$34,459
baseline
▲ 0.50% · 4.625%
HK$36,556
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,918/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,073
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,041
−HK$981/mo
Today · 4.125%
HK$38,022
baseline
▲ 0.50% · 4.625%
HK$40,026
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,044/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,830
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,007
−HK$1,195/mo
Today · 4.125%
HK$40,202
baseline
▲ 0.50% · 4.625%
HK$42,648
+HK$2,446/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,404/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,085
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,214
−HK$1,145/mo
Today · 4.125%
HK$44,359
baseline
▲ 0.50% · 4.625%
HK$46,697
+HK$2,338/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,718/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,638
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,151
−HK$1,537/mo
Today · 4.125%
HK$51,688
baseline
▲ 0.50% · 4.625%
HK$54,834
+HK$3,146/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,376/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,110
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,561
−HK$1,472/mo
Today · 4.125%
HK$57,033
baseline
▲ 0.50% · 4.625%
HK$60,039
+HK$3,006/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,066/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,381 · Scale 2, in force from 26 Feb 2026)