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$27,032
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,873
−HK$854/mo
Today · 4.125%
HK$28,727
baseline
▲ 0.50% · 4.625%
HK$30,475
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,454/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,073
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,879
−HK$819/mo
Today · 4.125%
HK$31,698
baseline
▲ 0.50% · 4.625%
HK$33,368
+HK$1,670/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,396/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,438
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,447
−HK$1,026/mo
Today · 4.125%
HK$34,473
baseline
▲ 0.50% · 4.625%
HK$36,570
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,946/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,087
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,055
−HK$982/mo
Today · 4.125%
HK$38,037
baseline
▲ 0.50% · 4.625%
HK$40,042
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,074/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,845
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,022
−HK$1,196/mo
Today · 4.125%
HK$40,218
baseline
▲ 0.50% · 4.625%
HK$42,665
+HK$2,447/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,436/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,102
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,231
−HK$1,146/mo
Today · 4.125%
HK$44,377
baseline
▲ 0.50% · 4.625%
HK$46,716
+HK$2,339/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,754/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,658
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,171
−HK$1,538/mo
Today · 4.125%
HK$51,709
baseline
▲ 0.50% · 4.625%
HK$54,855
+HK$3,146/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,418/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,131
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,583
−HK$1,473/mo
Today · 4.125%
HK$57,056
baseline
▲ 0.50% · 4.625%
HK$60,063
+HK$3,007/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,112/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,556 · Scale 2, in force from 26 Feb 2026)