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$27,024
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,864
−HK$854/mo
Today · 4.125%
HK$28,718
baseline
▲ 0.50% · 4.625%
HK$30,466
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,436/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,063
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,870
−HK$818/mo
Today · 4.125%
HK$31,688
baseline
▲ 0.50% · 4.625%
HK$33,358
+HK$1,670/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,376/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,428
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,437
−HK$1,025/mo
Today · 4.125%
HK$34,462
baseline
▲ 0.50% · 4.625%
HK$36,559
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,924/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,076
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,044
−HK$981/mo
Today · 4.125%
HK$38,025
baseline
▲ 0.50% · 4.625%
HK$40,030
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,050/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,833
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,010
−HK$1,196/mo
Today · 4.125%
HK$40,206
baseline
▲ 0.50% · 4.625%
HK$42,652
+HK$2,446/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,412/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,089
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,218
−HK$1,145/mo
Today · 4.125%
HK$44,363
baseline
▲ 0.50% · 4.625%
HK$46,701
+HK$2,338/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,726/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,642
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,156
−HK$1,537/mo
Today · 4.125%
HK$51,693
baseline
▲ 0.50% · 4.625%
HK$54,838
+HK$3,145/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,386/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,114
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,566
−HK$1,472/mo
Today · 4.125%
HK$57,038
baseline
▲ 0.50% · 4.625%
HK$60,044
+HK$3,006/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,076/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,418 · Scale 2, in force from 26 Feb 2026)