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$27,031
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,872
−HK$854/mo
Today · 4.125%
HK$28,726
baseline
▲ 0.50% · 4.625%
HK$30,474
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,452/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,072
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,878
−HK$819/mo
Today · 4.125%
HK$31,697
baseline
▲ 0.50% · 4.625%
HK$33,367
+HK$1,670/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,394/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,437
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,446
−HK$1,026/mo
Today · 4.125%
HK$34,472
baseline
▲ 0.50% · 4.625%
HK$36,569
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,944/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,086
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,054
−HK$982/mo
Today · 4.125%
HK$38,036
baseline
▲ 0.50% · 4.625%
HK$40,041
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,072/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,844
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,021
−HK$1,196/mo
Today · 4.125%
HK$40,217
baseline
▲ 0.50% · 4.625%
HK$42,664
+HK$2,447/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,434/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,101
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,230
−HK$1,145/mo
Today · 4.125%
HK$44,375
baseline
▲ 0.50% · 4.625%
HK$46,714
+HK$2,339/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,750/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,656
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,170
−HK$1,537/mo
Today · 4.125%
HK$51,707
baseline
▲ 0.50% · 4.625%
HK$54,854
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,414/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,129
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,581
−HK$1,473/mo
Today · 4.125%
HK$57,054
baseline
▲ 0.50% · 4.625%
HK$60,061
+HK$3,007/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,108/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,542 · Scale 2, in force from 26 Feb 2026)