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$27,008
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,848
−HK$853/mo
Today · 4.125%
HK$28,701
baseline
▲ 0.50% · 4.625%
HK$30,448
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,402/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,046
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,852
−HK$817/mo
Today · 4.125%
HK$31,669
baseline
▲ 0.50% · 4.625%
HK$33,338
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,338/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,409
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$1,025/mo
Today · 4.125%
HK$34,442
baseline
▲ 0.50% · 4.625%
HK$36,537
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,884/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,055
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,022
−HK$981/mo
Today · 4.125%
HK$38,003
baseline
▲ 0.50% · 4.625%
HK$40,006
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,006/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,811
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,987
−HK$1,195/mo
Today · 4.125%
HK$40,182
baseline
▲ 0.50% · 4.625%
HK$42,627
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,364/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,064
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,192
−HK$1,145/mo
Today · 4.125%
HK$44,337
baseline
▲ 0.50% · 4.625%
HK$46,674
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,674/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,614
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,126
−HK$1,537/mo
Today · 4.125%
HK$51,663
baseline
▲ 0.50% · 4.625%
HK$54,806
+HK$3,143/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,326/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,083
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,533
−HK$1,471/mo
Today · 4.125%
HK$57,004
baseline
▲ 0.50% · 4.625%
HK$60,009
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,008/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,157 · Scale 2, in force from 26 Feb 2026)