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$27,027
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,868
−HK$854/mo
Today · 4.125%
HK$28,722
baseline
▲ 0.50% · 4.625%
HK$30,470
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,444/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,067
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,874
−HK$818/mo
Today · 4.125%
HK$31,692
baseline
▲ 0.50% · 4.625%
HK$33,362
+HK$1,670/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,384/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,441
−HK$1,025/mo
Today · 4.125%
HK$34,466
baseline
▲ 0.50% · 4.625%
HK$36,563
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,932/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,081
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,048
−HK$982/mo
Today · 4.125%
HK$38,030
baseline
▲ 0.50% · 4.625%
HK$40,035
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,060/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,838
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,015
−HK$1,196/mo
Today · 4.125%
HK$40,211
baseline
▲ 0.50% · 4.625%
HK$42,657
+HK$2,446/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,422/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,094
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,223
−HK$1,145/mo
Today · 4.125%
HK$44,368
baseline
▲ 0.50% · 4.625%
HK$46,707
+HK$2,339/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,736/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,649
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,162
−HK$1,537/mo
Today · 4.125%
HK$51,699
baseline
▲ 0.50% · 4.625%
HK$54,845
+HK$3,146/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,398/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,121
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,573
−HK$1,472/mo
Today · 4.125%
HK$57,045
baseline
▲ 0.50% · 4.625%
HK$60,052
+HK$3,007/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,090/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,474 · Scale 2, in force from 26 Feb 2026)