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$27,006
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,847
−HK$853/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,446
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,044
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,850
−HK$818/mo
Today · 4.125%
HK$31,668
baseline
▲ 0.50% · 4.625%
HK$33,337
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,336/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,408
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,416
−HK$1,024/mo
Today · 4.125%
HK$34,440
baseline
▲ 0.50% · 4.625%
HK$36,536
+HK$2,096/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,880/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,053
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,020
−HK$981/mo
Today · 4.125%
HK$38,001
baseline
▲ 0.50% · 4.625%
HK$40,004
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,002/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,809
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,985
−HK$1,195/mo
Today · 4.125%
HK$40,180
baseline
▲ 0.50% · 4.625%
HK$42,625
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,360/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,062
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,190
−HK$1,145/mo
Today · 4.125%
HK$44,335
baseline
▲ 0.50% · 4.625%
HK$46,672
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,670/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,612
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,124
−HK$1,536/mo
Today · 4.125%
HK$51,660
baseline
▲ 0.50% · 4.625%
HK$54,803
+HK$3,143/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,320/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,080
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,530
−HK$1,472/mo
Today · 4.125%
HK$57,002
baseline
▲ 0.50% · 4.625%
HK$60,006
+HK$3,004/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,004/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,136 · Scale 2, in force from 26 Feb 2026)