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$27,025
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,865
−HK$854/mo
Today · 4.125%
HK$28,719
baseline
▲ 0.50% · 4.625%
HK$30,467
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,438/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,065
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,871
−HK$818/mo
Today · 4.125%
HK$31,689
baseline
▲ 0.50% · 4.625%
HK$33,359
+HK$1,670/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,378/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,430
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,438
−HK$1,025/mo
Today · 4.125%
HK$34,463
baseline
▲ 0.50% · 4.625%
HK$36,560
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,926/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,078
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,045
−HK$982/mo
Today · 4.125%
HK$38,027
baseline
▲ 0.50% · 4.625%
HK$40,031
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,054/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,835
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,011
−HK$1,196/mo
Today · 4.125%
HK$40,207
baseline
▲ 0.50% · 4.625%
HK$42,654
+HK$2,447/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,414/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,091
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,219
−HK$1,146/mo
Today · 4.125%
HK$44,365
baseline
▲ 0.50% · 4.625%
HK$46,703
+HK$2,338/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,730/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,644
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,158
−HK$1,537/mo
Today · 4.125%
HK$51,695
baseline
▲ 0.50% · 4.625%
HK$54,840
+HK$3,145/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,390/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,116
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,568
−HK$1,472/mo
Today · 4.125%
HK$57,040
baseline
▲ 0.50% · 4.625%
HK$60,047
+HK$3,007/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,080/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,436 · Scale 2, in force from 26 Feb 2026)