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$26,981
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,820
−HK$853/mo
Today · 4.125%
HK$28,673
baseline
▲ 0.50% · 4.625%
HK$30,417
+HK$1,744/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,346/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,016
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,821
−HK$816/mo
Today · 4.125%
HK$31,637
baseline
▲ 0.50% · 4.625%
HK$33,305
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,274/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,377
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,384
−HK$1,023/mo
Today · 4.125%
HK$34,407
baseline
▲ 0.50% · 4.625%
HK$36,501
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,814/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,019
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,985
−HK$980/mo
Today · 4.125%
HK$37,965
baseline
▲ 0.50% · 4.625%
HK$39,966
+HK$2,001/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,930/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,773
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,948
−HK$1,194/mo
Today · 4.125%
HK$40,142
baseline
▲ 0.50% · 4.625%
HK$42,584
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,284/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,022
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,149
−HK$1,143/mo
Today · 4.125%
HK$44,292
baseline
▲ 0.50% · 4.625%
HK$46,627
+HK$2,335/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,584/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,565
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,076
−HK$1,535/mo
Today · 4.125%
HK$51,611
baseline
▲ 0.50% · 4.625%
HK$54,751
+HK$3,140/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,222/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,028
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,477
−HK$1,470/mo
Today · 4.125%
HK$56,947
baseline
▲ 0.50% · 4.625%
HK$59,949
+HK$3,002/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,894/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,712 · Scale 2, in force from 26 Feb 2026)