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$26,995
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,834
−HK$854/mo
Today · 4.125%
HK$28,688
baseline
▲ 0.50% · 4.625%
HK$30,433
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,376/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,031
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,837
−HK$817/mo
Today · 4.125%
HK$31,654
baseline
▲ 0.50% · 4.625%
HK$33,322
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,308/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,394
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,401
−HK$1,024/mo
Today · 4.125%
HK$34,425
baseline
▲ 0.50% · 4.625%
HK$36,520
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$68,850/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,038
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,004
−HK$981/mo
Today · 4.125%
HK$37,985
baseline
▲ 0.50% · 4.625%
HK$39,987
+HK$2,002/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$75,970/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,793
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,968
−HK$1,195/mo
Today · 4.125%
HK$40,163
baseline
▲ 0.50% · 4.625%
HK$42,606
+HK$2,443/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,326/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,044
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,171
−HK$1,144/mo
Today · 4.125%
HK$44,315
baseline
▲ 0.50% · 4.625%
HK$46,651
+HK$2,336/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,630/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,590
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,102
−HK$1,536/mo
Today · 4.125%
HK$51,638
baseline
▲ 0.50% · 4.625%
HK$54,780
+HK$3,142/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,276/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,056
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,506
−HK$1,471/mo
Today · 4.125%
HK$56,977
baseline
▲ 0.50% · 4.625%
HK$59,980
+HK$3,003/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,954/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,943 · Scale 2, in force from 26 Feb 2026)