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$26,998
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,837
−HK$854/mo
Today · 4.125%
HK$28,691
baseline
▲ 0.50% · 4.625%
HK$30,436
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,382/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,035
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,840
−HK$817/mo
Today · 4.125%
HK$31,657
baseline
▲ 0.50% · 4.625%
HK$33,326
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,314/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,397
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,405
−HK$1,024/mo
Today · 4.125%
HK$34,429
baseline
▲ 0.50% · 4.625%
HK$36,524
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$68,858/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,042
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,008
−HK$981/mo
Today · 4.125%
HK$37,989
baseline
▲ 0.50% · 4.625%
HK$39,991
+HK$2,002/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$75,978/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,797
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,972
−HK$1,195/mo
Today · 4.125%
HK$40,167
baseline
▲ 0.50% · 4.625%
HK$42,611
+HK$2,444/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,334/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,048
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,176
−HK$1,144/mo
Today · 4.125%
HK$44,320
baseline
▲ 0.50% · 4.625%
HK$46,656
+HK$2,336/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,640/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,596
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,107
−HK$1,536/mo
Today · 4.125%
HK$51,643
baseline
▲ 0.50% · 4.625%
HK$54,786
+HK$3,143/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,286/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,062
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,512
−HK$1,471/mo
Today · 4.125%
HK$56,983
baseline
▲ 0.50% · 4.625%
HK$59,987
+HK$3,004/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$113,966/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,991 · Scale 2, in force from 26 Feb 2026)