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$27,019
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,859
−HK$854/mo
Today · 4.125%
HK$28,713
baseline
▲ 0.50% · 4.625%
HK$30,460
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,426/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,058
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,865
−HK$817/mo
Today · 4.125%
HK$31,682
baseline
▲ 0.50% · 4.625%
HK$33,352
+HK$1,670/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,364/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,423
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,431
−HK$1,025/mo
Today · 4.125%
HK$34,456
baseline
▲ 0.50% · 4.625%
HK$36,553
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,912/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,070
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,037
−HK$982/mo
Today · 4.125%
HK$38,019
baseline
▲ 0.50% · 4.625%
HK$40,023
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,038/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,827
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,003
−HK$1,196/mo
Today · 4.125%
HK$40,199
baseline
▲ 0.50% · 4.625%
HK$42,645
+HK$2,446/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,398/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,082
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,210
−HK$1,145/mo
Today · 4.125%
HK$44,355
baseline
▲ 0.50% · 4.625%
HK$46,693
+HK$2,338/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,710/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,634
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,147
−HK$1,537/mo
Today · 4.125%
HK$51,684
baseline
▲ 0.50% · 4.625%
HK$54,829
+HK$3,145/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,368/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,105
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,556
−HK$1,472/mo
Today · 4.125%
HK$57,028
baseline
▲ 0.50% · 4.625%
HK$60,034
+HK$3,006/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,056/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,342 · Scale 2, in force from 26 Feb 2026)