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$27,026
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,867
−HK$854/mo
Today · 4.125%
HK$28,721
baseline
▲ 0.50% · 4.625%
HK$30,468
+HK$1,747/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,442/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,066
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,873
−HK$818/mo
Today · 4.125%
HK$31,691
baseline
▲ 0.50% · 4.625%
HK$33,361
+HK$1,670/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,382/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,431
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,440
−HK$1,025/mo
Today · 4.125%
HK$34,465
baseline
▲ 0.50% · 4.625%
HK$36,562
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,930/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,079
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,047
−HK$982/mo
Today · 4.125%
HK$38,029
baseline
▲ 0.50% · 4.625%
HK$40,033
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,058/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,836
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,013
−HK$1,196/mo
Today · 4.125%
HK$40,209
baseline
▲ 0.50% · 4.625%
HK$42,656
+HK$2,447/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,418/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,093
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,222
−HK$1,145/mo
Today · 4.125%
HK$44,367
baseline
▲ 0.50% · 4.625%
HK$46,705
+HK$2,338/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,734/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,647
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,160
−HK$1,537/mo
Today · 4.125%
HK$51,697
baseline
▲ 0.50% · 4.625%
HK$54,843
+HK$3,146/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,394/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,119
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,571
−HK$1,472/mo
Today · 4.125%
HK$57,043
baseline
▲ 0.50% · 4.625%
HK$60,050
+HK$3,007/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,086/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,457 · Scale 2, in force from 26 Feb 2026)