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$27,027
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,868
−HK$854/mo
Today · 4.125%
HK$28,722
baseline
▲ 0.50% · 4.625%
HK$30,470
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,444/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,068
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,874
−HK$818/mo
Today · 4.125%
HK$31,692
baseline
▲ 0.50% · 4.625%
HK$33,363
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,384/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,433
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,442
−HK$1,025/mo
Today · 4.125%
HK$34,467
baseline
▲ 0.50% · 4.625%
HK$36,564
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,934/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,081
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,049
−HK$982/mo
Today · 4.125%
HK$38,031
baseline
▲ 0.50% · 4.625%
HK$40,035
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,062/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,838
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,015
−HK$1,196/mo
Today · 4.125%
HK$40,211
baseline
▲ 0.50% · 4.625%
HK$42,658
+HK$2,447/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,422/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,095
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,224
−HK$1,145/mo
Today · 4.125%
HK$44,369
baseline
▲ 0.50% · 4.625%
HK$46,708
+HK$2,339/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,738/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,649
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,163
−HK$1,537/mo
Today · 4.125%
HK$51,700
baseline
▲ 0.50% · 4.625%
HK$54,846
+HK$3,146/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,400/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,122
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,573
−HK$1,473/mo
Today · 4.125%
HK$57,046
baseline
▲ 0.50% · 4.625%
HK$60,053
+HK$3,007/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,092/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,480 · Scale 2, in force from 26 Feb 2026)