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$27,034
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,875
−HK$854/mo
Today · 4.125%
HK$28,729
baseline
▲ 0.50% · 4.625%
HK$30,477
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,458/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,075
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,881
−HK$819/mo
Today · 4.125%
HK$31,700
baseline
▲ 0.50% · 4.625%
HK$33,371
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,400/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,440
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,450
−HK$1,025/mo
Today · 4.125%
HK$34,475
baseline
▲ 0.50% · 4.625%
HK$36,572
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,950/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,090
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,058
−HK$982/mo
Today · 4.125%
HK$38,040
baseline
▲ 0.50% · 4.625%
HK$40,045
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,080/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,847
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,024
−HK$1,197/mo
Today · 4.125%
HK$40,221
baseline
▲ 0.50% · 4.625%
HK$42,668
+HK$2,447/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,442/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,105
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,234
−HK$1,145/mo
Today · 4.125%
HK$44,379
baseline
▲ 0.50% · 4.625%
HK$46,719
+HK$2,340/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,758/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,661
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,174
−HK$1,538/mo
Today · 4.125%
HK$51,712
baseline
▲ 0.50% · 4.625%
HK$54,859
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,424/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,135
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,586
−HK$1,473/mo
Today · 4.125%
HK$57,059
baseline
▲ 0.50% · 4.625%
HK$60,067
+HK$3,008/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,118/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,584 · Scale 2, in force from 26 Feb 2026)