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$26,984
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,823
−HK$853/mo
Today · 4.125%
HK$28,676
baseline
▲ 0.50% · 4.625%
HK$30,421
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,352/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,019
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,825
−HK$816/mo
Today · 4.125%
HK$31,641
baseline
▲ 0.50% · 4.625%
HK$33,309
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,282/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,381
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,388
−HK$1,023/mo
Today · 4.125%
HK$34,411
baseline
▲ 0.50% · 4.625%
HK$36,505
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,822/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,023
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,989
−HK$981/mo
Today · 4.125%
HK$37,970
baseline
▲ 0.50% · 4.625%
HK$39,971
+HK$2,001/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,940/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,778
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,953
−HK$1,194/mo
Today · 4.125%
HK$40,147
baseline
▲ 0.50% · 4.625%
HK$42,589
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,294/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,027
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,154
−HK$1,144/mo
Today · 4.125%
HK$44,298
baseline
▲ 0.50% · 4.625%
HK$46,633
+HK$2,335/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,596/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,571
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,082
−HK$1,535/mo
Today · 4.125%
HK$51,617
baseline
▲ 0.50% · 4.625%
HK$54,758
+HK$3,141/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,234/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,035
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,484
−HK$1,470/mo
Today · 4.125%
HK$56,954
baseline
▲ 0.50% · 4.625%
HK$59,956
+HK$3,002/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,908/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,766 · Scale 2, in force from 26 Feb 2026)