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$27,036
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,877
−HK$854/mo
Today · 4.125%
HK$28,731
baseline
▲ 0.50% · 4.625%
HK$30,480
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,462/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,077
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,884
−HK$818/mo
Today · 4.125%
HK$31,702
baseline
▲ 0.50% · 4.625%
HK$33,373
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,404/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,443
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,452
−HK$1,026/mo
Today · 4.125%
HK$34,478
baseline
▲ 0.50% · 4.625%
HK$36,575
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,956/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,093
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,061
−HK$982/mo
Today · 4.125%
HK$38,043
baseline
▲ 0.50% · 4.625%
HK$40,048
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,086/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,850
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,028
−HK$1,196/mo
Today · 4.125%
HK$40,224
baseline
▲ 0.50% · 4.625%
HK$42,671
+HK$2,447/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,448/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,108
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,237
−HK$1,146/mo
Today · 4.125%
HK$44,383
baseline
▲ 0.50% · 4.625%
HK$46,722
+HK$2,339/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,766/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,665
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,178
−HK$1,538/mo
Today · 4.125%
HK$51,716
baseline
▲ 0.50% · 4.625%
HK$54,863
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,432/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,139
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,591
−HK$1,473/mo
Today · 4.125%
HK$57,064
baseline
▲ 0.50% · 4.625%
HK$60,072
+HK$3,008/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,128/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,620 · Scale 2, in force from 26 Feb 2026)