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$26,982
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,821
−HK$853/mo
Today · 4.125%
HK$28,674
baseline
▲ 0.50% · 4.625%
HK$30,419
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,348/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,017
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,822
−HK$817/mo
Today · 4.125%
HK$31,639
baseline
▲ 0.50% · 4.625%
HK$33,307
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,278/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,378
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,386
−HK$1,023/mo
Today · 4.125%
HK$34,409
baseline
▲ 0.50% · 4.625%
HK$36,503
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,818/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,021
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,987
−HK$980/mo
Today · 4.125%
HK$37,967
baseline
▲ 0.50% · 4.625%
HK$39,968
+HK$2,001/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,934/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,775
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,950
−HK$1,194/mo
Today · 4.125%
HK$40,144
baseline
▲ 0.50% · 4.625%
HK$42,586
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,288/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,024
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,151
−HK$1,144/mo
Today · 4.125%
HK$44,295
baseline
▲ 0.50% · 4.625%
HK$46,629
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,590/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,568
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,078
−HK$1,535/mo
Today · 4.125%
HK$51,613
baseline
▲ 0.50% · 4.625%
HK$54,754
+HK$3,141/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,226/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,031
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,480
−HK$1,470/mo
Today · 4.125%
HK$56,950
baseline
▲ 0.50% · 4.625%
HK$59,952
+HK$3,002/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,900/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,734 · Scale 2, in force from 26 Feb 2026)