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$26,988
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,827
−HK$853/mo
Today · 4.125%
HK$28,680
baseline
▲ 0.50% · 4.625%
HK$30,425
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,360/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,024
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,829
−HK$817/mo
Today · 4.125%
HK$31,646
baseline
▲ 0.50% · 4.625%
HK$33,314
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,292/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,385
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,393
−HK$1,023/mo
Today · 4.125%
HK$34,416
baseline
▲ 0.50% · 4.625%
HK$36,510
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,832/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,028
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,995
−HK$980/mo
Today · 4.125%
HK$37,975
baseline
▲ 0.50% · 4.625%
HK$39,976
+HK$2,001/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,950/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,783
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,958
−HK$1,194/mo
Today · 4.125%
HK$40,152
baseline
▲ 0.50% · 4.625%
HK$42,595
+HK$2,443/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,304/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,033
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,160
−HK$1,144/mo
Today · 4.125%
HK$44,304
baseline
▲ 0.50% · 4.625%
HK$46,639
+HK$2,335/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,608/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,578
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,089
−HK$1,535/mo
Today · 4.125%
HK$51,624
baseline
▲ 0.50% · 4.625%
HK$54,765
+HK$3,141/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,248/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,042
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,492
−HK$1,470/mo
Today · 4.125%
HK$56,962
baseline
▲ 0.50% · 4.625%
HK$59,965
+HK$3,003/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,924/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,828 · Scale 2, in force from 26 Feb 2026)