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$27,022
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,863
−HK$854/mo
Today · 4.125%
HK$28,717
baseline
▲ 0.50% · 4.625%
HK$30,464
+HK$1,747/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,434/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,062
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,868
−HK$818/mo
Today · 4.125%
HK$31,686
baseline
▲ 0.50% · 4.625%
HK$33,357
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,372/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,427
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,436
−HK$1,024/mo
Today · 4.125%
HK$34,460
baseline
▲ 0.50% · 4.625%
HK$36,557
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,920/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,075
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,042
−HK$982/mo
Today · 4.125%
HK$38,024
baseline
▲ 0.50% · 4.625%
HK$40,028
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,048/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,831
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,008
−HK$1,196/mo
Today · 4.125%
HK$40,204
baseline
▲ 0.50% · 4.625%
HK$42,650
+HK$2,446/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,408/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,087
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,216
−HK$1,145/mo
Today · 4.125%
HK$44,361
baseline
▲ 0.50% · 4.625%
HK$46,699
+HK$2,338/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,722/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,640
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,153
−HK$1,538/mo
Today · 4.125%
HK$51,691
baseline
▲ 0.50% · 4.625%
HK$54,836
+HK$3,145/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,382/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,112
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,563
−HK$1,473/mo
Today · 4.125%
HK$57,036
baseline
▲ 0.50% · 4.625%
HK$60,042
+HK$3,006/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,072/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,399 · Scale 2, in force from 26 Feb 2026)