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$27,041
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,882
−HK$855/mo
Today · 4.125%
HK$28,737
baseline
▲ 0.50% · 4.625%
HK$30,486
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,474/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,083
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,890
−HK$819/mo
Today · 4.125%
HK$31,709
baseline
▲ 0.50% · 4.625%
HK$33,380
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,418/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,450
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,459
−HK$1,025/mo
Today · 4.125%
HK$34,484
baseline
▲ 0.50% · 4.625%
HK$36,583
+HK$2,099/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$68,968/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,100
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,068
−HK$982/mo
Today · 4.125%
HK$38,050
baseline
▲ 0.50% · 4.625%
HK$40,056
+HK$2,006/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$76,100/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,858
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,035
−HK$1,197/mo
Today · 4.125%
HK$40,232
baseline
▲ 0.50% · 4.625%
HK$42,680
+HK$2,448/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,464/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,116
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,246
−HK$1,146/mo
Today · 4.125%
HK$44,392
baseline
▲ 0.50% · 4.625%
HK$46,732
+HK$2,340/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,784/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,674
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,188
−HK$1,539/mo
Today · 4.125%
HK$51,727
baseline
▲ 0.50% · 4.625%
HK$54,874
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,454/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,150
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,602
−HK$1,473/mo
Today · 4.125%
HK$57,075
baseline
▲ 0.50% · 4.625%
HK$60,084
+HK$3,009/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,150/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,709 · Scale 2, in force from 26 Feb 2026)