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$27,014
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,854
−HK$854/mo
Today · 4.125%
HK$28,708
baseline
▲ 0.50% · 4.625%
HK$30,455
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,416/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,053
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,859
−HK$817/mo
Today · 4.125%
HK$31,676
baseline
▲ 0.50% · 4.625%
HK$33,346
+HK$1,670/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,352/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,417
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,425
−HK$1,025/mo
Today · 4.125%
HK$34,450
baseline
▲ 0.50% · 4.625%
HK$36,546
+HK$2,096/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,900/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,063
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,030
−HK$982/mo
Today · 4.125%
HK$38,012
baseline
▲ 0.50% · 4.625%
HK$40,015
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,024/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,819
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,996
−HK$1,195/mo
Today · 4.125%
HK$40,191
baseline
▲ 0.50% · 4.625%
HK$42,637
+HK$2,446/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,382/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,074
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,202
−HK$1,145/mo
Today · 4.125%
HK$44,347
baseline
▲ 0.50% · 4.625%
HK$46,685
+HK$2,338/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,694/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,625
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,138
−HK$1,536/mo
Today · 4.125%
HK$51,674
baseline
▲ 0.50% · 4.625%
HK$54,819
+HK$3,145/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,348/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,095
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,546
−HK$1,471/mo
Today · 4.125%
HK$57,017
baseline
▲ 0.50% · 4.625%
HK$60,023
+HK$3,006/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,034/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,259 · Scale 2, in force from 26 Feb 2026)