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$27,049
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,890
−HK$855/mo
Today · 4.125%
HK$28,745
baseline
▲ 0.50% · 4.625%
HK$30,494
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,490/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,091
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,898
−HK$819/mo
Today · 4.125%
HK$31,717
baseline
▲ 0.50% · 4.625%
HK$33,389
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,434/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,458
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,468
−HK$1,026/mo
Today · 4.125%
HK$34,494
baseline
▲ 0.50% · 4.625%
HK$36,593
+HK$2,099/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$68,988/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,110
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,078
−HK$983/mo
Today · 4.125%
HK$38,061
baseline
▲ 0.50% · 4.625%
HK$40,067
+HK$2,006/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$76,122/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,868
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,046
−HK$1,197/mo
Today · 4.125%
HK$40,243
baseline
▲ 0.50% · 4.625%
HK$42,691
+HK$2,448/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,486/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,128
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,258
−HK$1,146/mo
Today · 4.125%
HK$44,404
baseline
▲ 0.50% · 4.625%
HK$46,745
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,808/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,688
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,202
−HK$1,539/mo
Today · 4.125%
HK$51,741
baseline
▲ 0.50% · 4.625%
HK$54,889
+HK$3,148/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,482/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,164
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,617
−HK$1,474/mo
Today · 4.125%
HK$57,091
baseline
▲ 0.50% · 4.625%
HK$60,100
+HK$3,009/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,182/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,830 · Scale 2, in force from 26 Feb 2026)