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$26,996
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,836
−HK$853/mo
Today · 4.125%
HK$28,689
baseline
▲ 0.50% · 4.625%
HK$30,435
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,378/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,033
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,839
−HK$817/mo
Today · 4.125%
HK$31,656
baseline
▲ 0.50% · 4.625%
HK$33,325
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,312/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,396
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,403
−HK$1,024/mo
Today · 4.125%
HK$34,427
baseline
▲ 0.50% · 4.625%
HK$36,522
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$68,854/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,040
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,007
−HK$980/mo
Today · 4.125%
HK$37,987
baseline
▲ 0.50% · 4.625%
HK$39,989
+HK$2,002/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$75,974/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,795
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,971
−HK$1,194/mo
Today · 4.125%
HK$40,165
baseline
▲ 0.50% · 4.625%
HK$42,609
+HK$2,444/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,330/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,047
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,174
−HK$1,144/mo
Today · 4.125%
HK$44,318
baseline
▲ 0.50% · 4.625%
HK$46,654
+HK$2,336/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,636/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$443,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,594
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,105
−HK$1,536/mo
Today · 4.125%
HK$51,641
baseline
▲ 0.50% · 4.625%
HK$54,783
+HK$3,142/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,282/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,060
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,510
−HK$1,471/mo
Today · 4.125%
HK$56,981
baseline
▲ 0.50% · 4.625%
HK$59,984
+HK$3,003/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$113,962/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,972 · Scale 2, in force from 26 Feb 2026)