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$27,038
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,879
−HK$854/mo
Today · 4.125%
HK$28,733
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,466/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,079
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,886
−HK$818/mo
Today · 4.125%
HK$31,704
baseline
▲ 0.50% · 4.625%
HK$33,375
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,408/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,445
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,454
−HK$1,026/mo
Today · 4.125%
HK$34,480
baseline
▲ 0.50% · 4.625%
HK$36,578
+HK$2,098/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,960/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,095
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,063
−HK$982/mo
Today · 4.125%
HK$38,045
baseline
▲ 0.50% · 4.625%
HK$40,050
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,090/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,853
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,030
−HK$1,196/mo
Today · 4.125%
HK$40,226
baseline
▲ 0.50% · 4.625%
HK$42,674
+HK$2,448/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,452/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,111
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,240
−HK$1,146/mo
Today · 4.125%
HK$44,386
baseline
▲ 0.50% · 4.625%
HK$46,726
+HK$2,340/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,772/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,668
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,182
−HK$1,538/mo
Today · 4.125%
HK$51,720
baseline
▲ 0.50% · 4.625%
HK$54,867
+HK$3,147/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,440/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,142
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,595
−HK$1,473/mo
Today · 4.125%
HK$57,068
baseline
▲ 0.50% · 4.625%
HK$60,076
+HK$3,008/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,136/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,649 · Scale 2, in force from 26 Feb 2026)