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$26,999
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,839
−HK$853/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,438
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,384/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$444,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,036
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,841
−HK$818/mo
Today · 4.125%
HK$31,659
baseline
▲ 0.50% · 4.625%
HK$33,327
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,318/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$444,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,399
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,406
−HK$1,024/mo
Today · 4.125%
HK$34,430
baseline
▲ 0.50% · 4.625%
HK$36,525
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$68,860/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,043
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,010
−HK$980/mo
Today · 4.125%
HK$37,990
baseline
▲ 0.50% · 4.625%
HK$39,993
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$75,980/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,798
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,974
−HK$1,195/mo
Today · 4.125%
HK$40,169
baseline
▲ 0.50% · 4.625%
HK$42,613
+HK$2,444/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,338/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,050
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,178
−HK$1,144/mo
Today · 4.125%
HK$44,322
baseline
▲ 0.50% · 4.625%
HK$46,658
+HK$2,336/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,644/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,598
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,110
−HK$1,535/mo
Today · 4.125%
HK$51,645
baseline
▲ 0.50% · 4.625%
HK$54,788
+HK$3,143/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,290/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,065
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,515
−HK$1,471/mo
Today · 4.125%
HK$56,986
baseline
▲ 0.50% · 4.625%
HK$59,989
+HK$3,003/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$113,972/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,010 · Scale 2, in force from 26 Feb 2026)