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$26,983
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,822
−HK$853/mo
Today · 4.125%
HK$28,675
baseline
▲ 0.50% · 4.625%
HK$30,420
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,350/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,018
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,823
−HK$817/mo
Today · 4.125%
HK$31,640
baseline
▲ 0.50% · 4.625%
HK$33,308
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,280/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,380
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,387
−HK$1,023/mo
Today · 4.125%
HK$34,410
baseline
▲ 0.50% · 4.625%
HK$36,504
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,820/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,022
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,988
−HK$980/mo
Today · 4.125%
HK$37,968
baseline
▲ 0.50% · 4.625%
HK$39,970
+HK$2,002/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,936/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,776
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,951
−HK$1,194/mo
Today · 4.125%
HK$40,145
baseline
▲ 0.50% · 4.625%
HK$42,588
+HK$2,443/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,290/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,026
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,153
−HK$1,143/mo
Today · 4.125%
HK$44,296
baseline
▲ 0.50% · 4.625%
HK$46,631
+HK$2,335/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,592/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,569
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,080
−HK$1,535/mo
Today · 4.125%
HK$51,615
baseline
▲ 0.50% · 4.625%
HK$54,756
+HK$3,141/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,230/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,033
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,482
−HK$1,470/mo
Today · 4.125%
HK$56,952
baseline
▲ 0.50% · 4.625%
HK$59,954
+HK$3,002/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,904/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,751 · Scale 2, in force from 26 Feb 2026)