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$27,026
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,867
−HK$854/mo
Today · 4.125%
HK$28,721
baseline
▲ 0.50% · 4.625%
HK$30,469
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,442/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,067
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,873
−HK$818/mo
Today · 4.125%
HK$31,691
baseline
▲ 0.50% · 4.625%
HK$33,361
+HK$1,670/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,382/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,440
−HK$1,025/mo
Today · 4.125%
HK$34,465
baseline
▲ 0.50% · 4.625%
HK$36,563
+HK$2,098/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,930/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,080
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,048
−HK$981/mo
Today · 4.125%
HK$38,029
baseline
▲ 0.50% · 4.625%
HK$40,034
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,058/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,837
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,014
−HK$1,196/mo
Today · 4.125%
HK$40,210
baseline
▲ 0.50% · 4.625%
HK$42,656
+HK$2,446/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,420/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,093
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,222
−HK$1,145/mo
Today · 4.125%
HK$44,367
baseline
▲ 0.50% · 4.625%
HK$46,706
+HK$2,339/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,734/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,648
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,161
−HK$1,537/mo
Today · 4.125%
HK$51,698
baseline
▲ 0.50% · 4.625%
HK$54,844
+HK$3,146/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,396/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,120
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,571
−HK$1,473/mo
Today · 4.125%
HK$57,044
baseline
▲ 0.50% · 4.625%
HK$60,051
+HK$3,007/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,088/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,464 · Scale 2, in force from 26 Feb 2026)