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$1,694/mo
▼ 0.25% · 3.875%
HK$27,861
−HK$854/mo
Today · 4.125%
HK$28,715
baseline
▲ 0.50% · 4.625%
HK$30,462
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,430/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,060
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,866
−HK$818/mo
Today · 4.125%
HK$31,684
baseline
▲ 0.50% · 4.625%
HK$33,354
+HK$1,670/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,368/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,425
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,433
−HK$1,025/mo
Today · 4.125%
HK$34,458
baseline
▲ 0.50% · 4.625%
HK$36,555
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,916/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,072
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,039
−HK$982/mo
Today · 4.125%
HK$38,021
baseline
▲ 0.50% · 4.625%
HK$40,025
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,042/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,829
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,005
−HK$1,196/mo
Today · 4.125%
HK$40,201
baseline
▲ 0.50% · 4.625%
HK$42,647
+HK$2,446/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,402/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,084
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,213
−HK$1,145/mo
Today · 4.125%
HK$44,358
baseline
▲ 0.50% · 4.625%
HK$46,696
+HK$2,338/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,716/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,637
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,150
−HK$1,537/mo
Today · 4.125%
HK$51,687
baseline
▲ 0.50% · 4.625%
HK$54,832
+HK$3,145/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,374/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,108
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,559
−HK$1,472/mo
Today · 4.125%
HK$57,031
baseline
▲ 0.50% · 4.625%
HK$60,038
+HK$3,007/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,062/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,367 · Scale 2, in force from 26 Feb 2026)