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$27,003
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,843
−HK$853/mo
Today · 4.125%
HK$28,696
baseline
▲ 0.50% · 4.625%
HK$30,442
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,392/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,040
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,846
−HK$817/mo
Today · 4.125%
HK$31,663
baseline
▲ 0.50% · 4.625%
HK$33,332
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,326/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,403
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,411
−HK$1,024/mo
Today · 4.125%
HK$34,435
baseline
▲ 0.50% · 4.625%
HK$36,531
+HK$2,096/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,870/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,049
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,015
−HK$981/mo
Today · 4.125%
HK$37,996
baseline
▲ 0.50% · 4.625%
HK$39,999
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$75,992/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,804
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,980
−HK$1,195/mo
Today · 4.125%
HK$40,175
baseline
▲ 0.50% · 4.625%
HK$42,619
+HK$2,444/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,350/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,057
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,185
−HK$1,144/mo
Today · 4.125%
HK$44,329
baseline
▲ 0.50% · 4.625%
HK$46,665
+HK$2,336/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,658/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,605
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,117
−HK$1,536/mo
Today · 4.125%
HK$51,653
baseline
▲ 0.50% · 4.625%
HK$54,796
+HK$3,143/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,306/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,073
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,523
−HK$1,471/mo
Today · 4.125%
HK$56,994
baseline
▲ 0.50% · 4.625%
HK$59,998
+HK$3,004/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$113,988/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,077 · Scale 2, in force from 26 Feb 2026)