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$27,030
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,870
−HK$855/mo
Today · 4.125%
HK$28,725
baseline
▲ 0.50% · 4.625%
HK$30,472
+HK$1,747/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,450/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,070
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,877
−HK$818/mo
Today · 4.125%
HK$31,695
baseline
▲ 0.50% · 4.625%
HK$33,365
+HK$1,670/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,390/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,436
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,445
−HK$1,025/mo
Today · 4.125%
HK$34,470
baseline
▲ 0.50% · 4.625%
HK$36,567
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,940/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,084
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,052
−HK$982/mo
Today · 4.125%
HK$38,034
baseline
▲ 0.50% · 4.625%
HK$40,039
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,068/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,842
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,019
−HK$1,196/mo
Today · 4.125%
HK$40,215
baseline
▲ 0.50% · 4.625%
HK$42,661
+HK$2,446/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,430/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,098
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,227
−HK$1,146/mo
Today · 4.125%
HK$44,373
baseline
▲ 0.50% · 4.625%
HK$46,712
+HK$2,339/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,746/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,653
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,167
−HK$1,537/mo
Today · 4.125%
HK$51,704
baseline
▲ 0.50% · 4.625%
HK$54,850
+HK$3,146/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,408/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,126
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,578
−HK$1,473/mo
Today · 4.125%
HK$57,051
baseline
▲ 0.50% · 4.625%
HK$60,058
+HK$3,007/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,102/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,517 · Scale 2, in force from 26 Feb 2026)