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$27,016
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,857
−HK$853/mo
Today · 4.125%
HK$28,710
baseline
▲ 0.50% · 4.625%
HK$30,457
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,420/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,055
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,861
−HK$818/mo
Today · 4.125%
HK$31,679
baseline
▲ 0.50% · 4.625%
HK$33,349
+HK$1,670/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,358/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,419
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,428
−HK$1,024/mo
Today · 4.125%
HK$34,452
baseline
▲ 0.50% · 4.625%
HK$36,549
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,904/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,066
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,034
−HK$981/mo
Today · 4.125%
HK$38,015
baseline
▲ 0.50% · 4.625%
HK$40,019
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,030/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,823
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,999
−HK$1,195/mo
Today · 4.125%
HK$40,194
baseline
▲ 0.50% · 4.625%
HK$42,640
+HK$2,446/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,388/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,077
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,206
−HK$1,145/mo
Today · 4.125%
HK$44,351
baseline
▲ 0.50% · 4.625%
HK$46,688
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,702/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,629
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,142
−HK$1,537/mo
Today · 4.125%
HK$51,679
baseline
▲ 0.50% · 4.625%
HK$54,823
+HK$3,144/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,358/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,099
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,550
−HK$1,472/mo
Today · 4.125%
HK$57,022
baseline
▲ 0.50% · 4.625%
HK$60,028
+HK$3,006/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,044/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,295 · Scale 2, in force from 26 Feb 2026)