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$26,981
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,821
−HK$852/mo
Today · 4.125%
HK$28,673
baseline
▲ 0.50% · 4.625%
HK$30,418
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,346/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,017
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,822
−HK$816/mo
Today · 4.125%
HK$31,638
baseline
▲ 0.50% · 4.625%
HK$33,306
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,276/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,378
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,385
−HK$1,023/mo
Today · 4.125%
HK$34,408
baseline
▲ 0.50% · 4.625%
HK$36,502
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,816/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,020
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,986
−HK$980/mo
Today · 4.125%
HK$37,966
baseline
▲ 0.50% · 4.625%
HK$39,967
+HK$2,001/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,932/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,774
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,949
−HK$1,194/mo
Today · 4.125%
HK$40,143
baseline
▲ 0.50% · 4.625%
HK$42,585
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,286/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,023
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,150
−HK$1,144/mo
Today · 4.125%
HK$44,294
baseline
▲ 0.50% · 4.625%
HK$46,628
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,588/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,567
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,077
−HK$1,535/mo
Today · 4.125%
HK$51,612
baseline
▲ 0.50% · 4.625%
HK$54,753
+HK$3,141/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,224/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,030
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,479
−HK$1,470/mo
Today · 4.125%
HK$56,949
baseline
▲ 0.50% · 4.625%
HK$59,951
+HK$3,002/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,898/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,724 · Scale 2, in force from 26 Feb 2026)