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$27,044
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,886
−HK$854/mo
Today · 4.125%
HK$28,740
baseline
▲ 0.50% · 4.625%
HK$30,489
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,480/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,087
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,894
−HK$818/mo
Today · 4.125%
HK$31,712
baseline
▲ 0.50% · 4.625%
HK$33,384
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,424/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,453
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,463
−HK$1,025/mo
Today · 4.125%
HK$34,488
baseline
▲ 0.50% · 4.625%
HK$36,587
+HK$2,099/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$68,976/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,104
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,072
−HK$983/mo
Today · 4.125%
HK$38,055
baseline
▲ 0.50% · 4.625%
HK$40,060
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$76,110/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,862
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,040
−HK$1,196/mo
Today · 4.125%
HK$40,236
baseline
▲ 0.50% · 4.625%
HK$42,685
+HK$2,449/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,472/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,121
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,251
−HK$1,146/mo
Today · 4.125%
HK$44,397
baseline
▲ 0.50% · 4.625%
HK$46,737
+HK$2,340/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,794/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,680
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,194
−HK$1,539/mo
Today · 4.125%
HK$51,733
baseline
▲ 0.50% · 4.625%
HK$54,880
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,466/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,156
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,608
−HK$1,474/mo
Today · 4.125%
HK$57,082
baseline
▲ 0.50% · 4.625%
HK$60,091
+HK$3,009/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,164/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,760 · Scale 2, in force from 26 Feb 2026)