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$27,035
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,876
−HK$854/mo
Today · 4.125%
HK$28,730
baseline
▲ 0.50% · 4.625%
HK$30,478
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,460/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,076
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,883
−HK$818/mo
Today · 4.125%
HK$31,701
baseline
▲ 0.50% · 4.625%
HK$33,372
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,402/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,442
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,451
−HK$1,025/mo
Today · 4.125%
HK$34,476
baseline
▲ 0.50% · 4.625%
HK$36,574
+HK$2,098/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,952/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,091
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,059
−HK$982/mo
Today · 4.125%
HK$38,041
baseline
▲ 0.50% · 4.625%
HK$40,046
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,082/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,849
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,026
−HK$1,196/mo
Today · 4.125%
HK$40,222
baseline
▲ 0.50% · 4.625%
HK$42,670
+HK$2,448/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,444/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,106
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,236
−HK$1,145/mo
Today · 4.125%
HK$44,381
baseline
▲ 0.50% · 4.625%
HK$46,721
+HK$2,340/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,762/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,663
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,176
−HK$1,538/mo
Today · 4.125%
HK$51,714
baseline
▲ 0.50% · 4.625%
HK$54,861
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,428/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,137
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,589
−HK$1,473/mo
Today · 4.125%
HK$57,062
baseline
▲ 0.50% · 4.625%
HK$60,069
+HK$3,007/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,124/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,602 · Scale 2, in force from 26 Feb 2026)