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$27,016
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,856
−HK$854/mo
Today · 4.125%
HK$28,710
baseline
▲ 0.50% · 4.625%
HK$30,457
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,420/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,054
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,861
−HK$817/mo
Today · 4.125%
HK$31,678
baseline
▲ 0.50% · 4.625%
HK$33,348
+HK$1,670/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,356/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,419
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,427
−HK$1,025/mo
Today · 4.125%
HK$34,452
baseline
▲ 0.50% · 4.625%
HK$36,548
+HK$2,096/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,904/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,065
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,033
−HK$981/mo
Today · 4.125%
HK$38,014
baseline
▲ 0.50% · 4.625%
HK$40,018
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,028/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,822
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,998
−HK$1,195/mo
Today · 4.125%
HK$40,193
baseline
▲ 0.50% · 4.625%
HK$42,639
+HK$2,446/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,386/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,076
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,205
−HK$1,145/mo
Today · 4.125%
HK$44,350
baseline
▲ 0.50% · 4.625%
HK$46,687
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,700/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,628
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,141
−HK$1,536/mo
Today · 4.125%
HK$51,677
baseline
▲ 0.50% · 4.625%
HK$54,822
+HK$3,145/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,354/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,098
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,549
−HK$1,472/mo
Today · 4.125%
HK$57,021
baseline
▲ 0.50% · 4.625%
HK$60,026
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,042/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,285 · Scale 2, in force from 26 Feb 2026)