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$27,015
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,855
−HK$854/mo
Today · 4.125%
HK$28,709
baseline
▲ 0.50% · 4.625%
HK$30,456
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,418/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,054
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,860
−HK$818/mo
Today · 4.125%
HK$31,678
baseline
▲ 0.50% · 4.625%
HK$33,347
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,356/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,418
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,426
−HK$1,025/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,547
+HK$2,096/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,065
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,032
−HK$981/mo
Today · 4.125%
HK$38,013
baseline
▲ 0.50% · 4.625%
HK$40,017
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,026/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,821
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,998
−HK$1,195/mo
Today · 4.125%
HK$40,193
baseline
▲ 0.50% · 4.625%
HK$42,638
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,386/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,076
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,204
−HK$1,145/mo
Today · 4.125%
HK$44,349
baseline
▲ 0.50% · 4.625%
HK$46,686
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,698/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,627
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,140
−HK$1,536/mo
Today · 4.125%
HK$51,676
baseline
▲ 0.50% · 4.625%
HK$54,821
+HK$3,145/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,352/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,097
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,548
−HK$1,472/mo
Today · 4.125%
HK$57,020
baseline
▲ 0.50% · 4.625%
HK$60,025
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,040/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,277 · Scale 2, in force from 26 Feb 2026)