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$27,011
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,851
−HK$854/mo
Today · 4.125%
HK$28,705
baseline
▲ 0.50% · 4.625%
HK$30,451
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,410/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,049
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,855
−HK$818/mo
Today · 4.125%
HK$31,673
baseline
▲ 0.50% · 4.625%
HK$33,342
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,346/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,413
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,421
−HK$1,025/mo
Today · 4.125%
HK$34,446
baseline
▲ 0.50% · 4.625%
HK$36,541
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,892/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,059
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,026
−HK$981/mo
Today · 4.125%
HK$38,007
baseline
▲ 0.50% · 4.625%
HK$40,011
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,014/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,815
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,991
−HK$1,195/mo
Today · 4.125%
HK$40,186
baseline
▲ 0.50% · 4.625%
HK$42,632
+HK$2,446/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,372/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,069
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,197
−HK$1,145/mo
Today · 4.125%
HK$44,342
baseline
▲ 0.50% · 4.625%
HK$46,679
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,684/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,619
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,132
−HK$1,536/mo
Today · 4.125%
HK$51,668
baseline
▲ 0.50% · 4.625%
HK$54,812
+HK$3,144/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,336/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,089
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,539
−HK$1,472/mo
Today · 4.125%
HK$57,011
baseline
▲ 0.50% · 4.625%
HK$60,016
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,022/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,207 · Scale 2, in force from 26 Feb 2026)