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$26,978
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,818
−HK$852/mo
Today · 4.125%
HK$28,670
baseline
▲ 0.50% · 4.625%
HK$30,415
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,340/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,013
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,818
−HK$817/mo
Today · 4.125%
HK$31,635
baseline
▲ 0.50% · 4.625%
HK$33,302
+HK$1,667/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,270/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,374
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,381
−HK$1,023/mo
Today · 4.125%
HK$34,404
baseline
▲ 0.50% · 4.625%
HK$36,498
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,808/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,016
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,982
−HK$980/mo
Today · 4.125%
HK$37,962
baseline
▲ 0.50% · 4.625%
HK$39,963
+HK$2,001/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,924/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,770
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,945
−HK$1,193/mo
Today · 4.125%
HK$40,138
baseline
▲ 0.50% · 4.625%
HK$42,581
+HK$2,443/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,276/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,019
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,145
−HK$1,144/mo
Today · 4.125%
HK$44,289
baseline
▲ 0.50% · 4.625%
HK$46,623
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,578/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,561
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,072
−HK$1,534/mo
Today · 4.125%
HK$51,606
baseline
▲ 0.50% · 4.625%
HK$54,747
+HK$3,141/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,212/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,024
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,473
−HK$1,470/mo
Today · 4.125%
HK$56,943
baseline
▲ 0.50% · 4.625%
HK$59,944
+HK$3,001/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,886/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,675 · Scale 2, in force from 26 Feb 2026)