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$27,009
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,849
−HK$853/mo
Today · 4.125%
HK$28,702
baseline
▲ 0.50% · 4.625%
HK$30,449
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,404/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,047
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,853
−HK$817/mo
Today · 4.125%
HK$31,670
baseline
▲ 0.50% · 4.625%
HK$33,339
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,340/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,410
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,418
−HK$1,025/mo
Today · 4.125%
HK$34,443
baseline
▲ 0.50% · 4.625%
HK$36,538
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,886/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,056
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,023
−HK$981/mo
Today · 4.125%
HK$38,004
baseline
▲ 0.50% · 4.625%
HK$40,007
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,008/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,812
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,988
−HK$1,195/mo
Today · 4.125%
HK$40,183
baseline
▲ 0.50% · 4.625%
HK$42,628
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,366/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,065
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,194
−HK$1,144/mo
Today · 4.125%
HK$44,338
baseline
▲ 0.50% · 4.625%
HK$46,675
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,676/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,615
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,128
−HK$1,536/mo
Today · 4.125%
HK$51,664
baseline
▲ 0.50% · 4.625%
HK$54,808
+HK$3,144/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,328/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,084
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,535
−HK$1,471/mo
Today · 4.125%
HK$57,006
baseline
▲ 0.50% · 4.625%
HK$60,011
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,012/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,170 · Scale 2, in force from 26 Feb 2026)