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$27,029
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,870
−HK$854/mo
Today · 4.125%
HK$28,724
baseline
▲ 0.50% · 4.625%
HK$30,472
+HK$1,748/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,448/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,070
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,876
−HK$818/mo
Today · 4.125%
HK$31,694
baseline
▲ 0.50% · 4.625%
HK$33,365
+HK$1,671/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,388/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,435
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,444
−HK$1,025/mo
Today · 4.125%
HK$34,469
baseline
▲ 0.50% · 4.625%
HK$36,566
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,938/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,083
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,051
−HK$982/mo
Today · 4.125%
HK$38,033
baseline
▲ 0.50% · 4.625%
HK$40,038
+HK$2,005/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,066/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,841
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,018
−HK$1,196/mo
Today · 4.125%
HK$40,214
baseline
▲ 0.50% · 4.625%
HK$42,660
+HK$2,446/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,428/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,097
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,226
−HK$1,146/mo
Today · 4.125%
HK$44,372
baseline
▲ 0.50% · 4.625%
HK$46,711
+HK$2,339/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,744/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,652
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,166
−HK$1,537/mo
Today · 4.125%
HK$51,703
baseline
▲ 0.50% · 4.625%
HK$54,849
+HK$3,146/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$103,406/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,125
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,577
−HK$1,472/mo
Today · 4.125%
HK$57,049
baseline
▲ 0.50% · 4.625%
HK$60,056
+HK$3,007/mo
Deposit HK$1.19M · loan HK$10.67M · min. income ≈ HK$114,098/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,507 · Scale 2, in force from 26 Feb 2026)