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$27,023
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,864
−HK$854/mo
Today · 4.125%
HK$28,718
baseline
▲ 0.50% · 4.625%
HK$30,465
+HK$1,747/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,436/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,063
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,869
−HK$818/mo
Today · 4.125%
HK$31,687
baseline
▲ 0.50% · 4.625%
HK$33,357
+HK$1,670/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,374/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,428
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,436
−HK$1,025/mo
Today · 4.125%
HK$34,461
baseline
▲ 0.50% · 4.625%
HK$36,558
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,922/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,075
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,043
−HK$981/mo
Today · 4.125%
HK$38,024
baseline
▲ 0.50% · 4.625%
HK$40,029
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,048/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,832
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,009
−HK$1,196/mo
Today · 4.125%
HK$40,205
baseline
▲ 0.50% · 4.625%
HK$42,651
+HK$2,446/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,410/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,088
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,217
−HK$1,145/mo
Today · 4.125%
HK$44,362
baseline
▲ 0.50% · 4.625%
HK$46,700
+HK$2,338/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,724/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,641
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,155
−HK$1,537/mo
Today · 4.125%
HK$51,692
baseline
▲ 0.50% · 4.625%
HK$54,837
+HK$3,145/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,384/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,113
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,564
−HK$1,473/mo
Today · 4.125%
HK$57,037
baseline
▲ 0.50% · 4.625%
HK$60,043
+HK$3,006/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,074/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,409 · Scale 2, in force from 26 Feb 2026)