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$26,986
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,825
−HK$853/mo
Today · 4.125%
HK$28,678
baseline
▲ 0.50% · 4.625%
HK$30,423
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,356/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,022
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,827
−HK$817/mo
Today · 4.125%
HK$31,644
baseline
▲ 0.50% · 4.625%
HK$33,311
+HK$1,667/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,288/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,383
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,390
−HK$1,024/mo
Today · 4.125%
HK$34,414
baseline
▲ 0.50% · 4.625%
HK$36,508
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,828/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,026
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,992
−HK$980/mo
Today · 4.125%
HK$37,972
baseline
▲ 0.50% · 4.625%
HK$39,974
+HK$2,002/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,944/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,780
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,955
−HK$1,194/mo
Today · 4.125%
HK$40,149
baseline
▲ 0.50% · 4.625%
HK$42,592
+HK$2,443/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,298/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,030
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,157
−HK$1,144/mo
Today · 4.125%
HK$44,301
baseline
▲ 0.50% · 4.625%
HK$46,636
+HK$2,335/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,602/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,575
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,086
−HK$1,535/mo
Today · 4.125%
HK$51,621
baseline
▲ 0.50% · 4.625%
HK$54,762
+HK$3,141/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,242/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,039
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,488
−HK$1,470/mo
Today · 4.125%
HK$56,958
baseline
▲ 0.50% · 4.625%
HK$59,961
+HK$3,003/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,916/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,798 · Scale 2, in force from 26 Feb 2026)