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$26,997
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,837
−HK$853/mo
Today · 4.125%
HK$28,690
baseline
▲ 0.50% · 4.625%
HK$30,435
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,380/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,034
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,839
−HK$817/mo
Today · 4.125%
HK$31,656
baseline
▲ 0.50% · 4.625%
HK$33,325
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,312/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,396
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,404
−HK$1,024/mo
Today · 4.125%
HK$34,428
baseline
▲ 0.50% · 4.625%
HK$36,523
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$68,856/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,040
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,007
−HK$981/mo
Today · 4.125%
HK$37,988
baseline
▲ 0.50% · 4.625%
HK$39,990
+HK$2,002/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$75,976/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,795
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,971
−HK$1,195/mo
Today · 4.125%
HK$40,166
baseline
▲ 0.50% · 4.625%
HK$42,610
+HK$2,444/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,332/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,047
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,175
−HK$1,144/mo
Today · 4.125%
HK$44,319
baseline
▲ 0.50% · 4.625%
HK$46,655
+HK$2,336/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,638/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,594
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,106
−HK$1,535/mo
Today · 4.125%
HK$51,641
baseline
▲ 0.50% · 4.625%
HK$54,784
+HK$3,143/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,282/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,061
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,510
−HK$1,471/mo
Today · 4.125%
HK$56,981
baseline
▲ 0.50% · 4.625%
HK$59,985
+HK$3,004/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$113,962/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,977 · Scale 2, in force from 26 Feb 2026)