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$27,042
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,883
−HK$855/mo
Today · 4.125%
HK$28,738
baseline
▲ 0.50% · 4.625%
HK$30,486
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,476/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,084
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,891
−HK$818/mo
Today · 4.125%
HK$31,709
baseline
▲ 0.50% · 4.625%
HK$33,381
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,418/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,450
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,460
−HK$1,025/mo
Today · 4.125%
HK$34,485
baseline
▲ 0.50% · 4.625%
HK$36,583
+HK$2,098/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$68,970/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,101
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,069
−HK$982/mo
Today · 4.125%
HK$38,051
baseline
▲ 0.50% · 4.625%
HK$40,057
+HK$2,006/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$76,102/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,859
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,036
−HK$1,197/mo
Today · 4.125%
HK$40,233
baseline
▲ 0.50% · 4.625%
HK$42,681
+HK$2,448/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,466/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,117
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,247
−HK$1,146/mo
Today · 4.125%
HK$44,393
baseline
▲ 0.50% · 4.625%
HK$46,733
+HK$2,340/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,786/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,675
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,189
−HK$1,539/mo
Today · 4.125%
HK$51,728
baseline
▲ 0.50% · 4.625%
HK$54,875
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,456/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,151
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,603
−HK$1,473/mo
Today · 4.125%
HK$57,076
baseline
▲ 0.50% · 4.625%
HK$60,085
+HK$3,009/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,152/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,718 · Scale 2, in force from 26 Feb 2026)