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$27,039
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,881
−HK$854/mo
Today · 4.125%
HK$28,735
baseline
▲ 0.50% · 4.625%
HK$30,484
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,470/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,081
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,888
−HK$818/mo
Today · 4.125%
HK$31,706
baseline
▲ 0.50% · 4.625%
HK$33,378
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,412/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,447
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,457
−HK$1,025/mo
Today · 4.125%
HK$34,482
baseline
▲ 0.50% · 4.625%
HK$36,580
+HK$2,098/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,964/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,097
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,065
−HK$983/mo
Today · 4.125%
HK$38,048
baseline
▲ 0.50% · 4.625%
HK$40,053
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,096/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,855
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,033
−HK$1,196/mo
Today · 4.125%
HK$40,229
baseline
▲ 0.50% · 4.625%
HK$42,677
+HK$2,448/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,458/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,114
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,243
−HK$1,146/mo
Today · 4.125%
HK$44,389
baseline
▲ 0.50% · 4.625%
HK$46,729
+HK$2,340/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,778/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,671
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,185
−HK$1,538/mo
Today · 4.125%
HK$51,723
baseline
▲ 0.50% · 4.625%
HK$54,870
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,446/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,146
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,598
−HK$1,473/mo
Today · 4.125%
HK$57,071
baseline
▲ 0.50% · 4.625%
HK$60,080
+HK$3,009/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,142/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,678 · Scale 2, in force from 26 Feb 2026)