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$27,005
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,845
−HK$854/mo
Today · 4.125%
HK$28,699
baseline
▲ 0.50% · 4.625%
HK$30,445
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,398/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,043
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,849
−HK$817/mo
Today · 4.125%
HK$31,666
baseline
▲ 0.50% · 4.625%
HK$33,335
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,332/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,406
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,414
−HK$1,024/mo
Today · 4.125%
HK$34,438
baseline
▲ 0.50% · 4.625%
HK$36,534
+HK$2,096/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,876/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,051
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,018
−HK$981/mo
Today · 4.125%
HK$37,999
baseline
▲ 0.50% · 4.625%
HK$40,002
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$75,998/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,807
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,983
−HK$1,195/mo
Today · 4.125%
HK$40,178
baseline
▲ 0.50% · 4.625%
HK$42,623
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,356/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,060
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,188
−HK$1,144/mo
Today · 4.125%
HK$44,332
baseline
▲ 0.50% · 4.625%
HK$46,669
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,664/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,609
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,121
−HK$1,536/mo
Today · 4.125%
HK$51,657
baseline
▲ 0.50% · 4.625%
HK$54,801
+HK$3,144/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,314/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,077
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,527
−HK$1,472/mo
Today · 4.125%
HK$56,999
baseline
▲ 0.50% · 4.625%
HK$60,003
+HK$3,004/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$113,998/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,113 · Scale 2, in force from 26 Feb 2026)