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$27,048
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,889
−HK$855/mo
Today · 4.125%
HK$28,744
baseline
▲ 0.50% · 4.625%
HK$30,493
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,488/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,091
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,898
−HK$818/mo
Today · 4.125%
HK$31,716
baseline
▲ 0.50% · 4.625%
HK$33,388
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,432/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,458
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,467
−HK$1,026/mo
Today · 4.125%
HK$34,493
baseline
▲ 0.50% · 4.625%
HK$36,592
+HK$2,099/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$68,986/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,109
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,077
−HK$983/mo
Today · 4.125%
HK$38,060
baseline
▲ 0.50% · 4.625%
HK$40,066
+HK$2,006/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$76,120/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,867
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,045
−HK$1,197/mo
Today · 4.125%
HK$40,242
baseline
▲ 0.50% · 4.625%
HK$42,690
+HK$2,448/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,484/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,127
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,257
−HK$1,146/mo
Today · 4.125%
HK$44,403
baseline
▲ 0.50% · 4.625%
HK$46,743
+HK$2,340/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,806/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,686
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,201
−HK$1,538/mo
Today · 4.125%
HK$51,739
baseline
▲ 0.50% · 4.625%
HK$54,888
+HK$3,149/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,478/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,163
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,616
−HK$1,473/mo
Today · 4.125%
HK$57,089
baseline
▲ 0.50% · 4.625%
HK$60,099
+HK$3,010/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,178/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,818 · Scale 2, in force from 26 Feb 2026)