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$26,993
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,832
−HK$853/mo
Today · 4.125%
HK$28,685
baseline
▲ 0.50% · 4.625%
HK$30,431
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,370/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,029
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,834
−HK$817/mo
Today · 4.125%
HK$31,651
baseline
▲ 0.50% · 4.625%
HK$33,320
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,302/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,391
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,399
−HK$1,023/mo
Today · 4.125%
HK$34,422
baseline
▲ 0.50% · 4.625%
HK$36,517
+HK$2,095/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,844/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,035
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,001
−HK$981/mo
Today · 4.125%
HK$37,982
baseline
▲ 0.50% · 4.625%
HK$39,984
+HK$2,002/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,964/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,790
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,965
−HK$1,194/mo
Today · 4.125%
HK$40,159
baseline
▲ 0.50% · 4.625%
HK$42,603
+HK$2,444/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,318/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,040
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,168
−HK$1,144/mo
Today · 4.125%
HK$44,312
baseline
▲ 0.50% · 4.625%
HK$46,648
+HK$2,336/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,624/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,587
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,098
−HK$1,535/mo
Today · 4.125%
HK$51,633
baseline
▲ 0.50% · 4.625%
HK$54,775
+HK$3,142/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,266/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,052
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,502
−HK$1,470/mo
Today · 4.125%
HK$56,972
baseline
▲ 0.50% · 4.625%
HK$59,975
+HK$3,003/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,944/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,906 · Scale 2, in force from 26 Feb 2026)