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$27,007
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,847
−HK$854/mo
Today · 4.125%
HK$28,701
baseline
▲ 0.50% · 4.625%
HK$30,447
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,402/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,045
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,851
−HK$818/mo
Today · 4.125%
HK$31,669
baseline
▲ 0.50% · 4.625%
HK$33,338
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,338/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,409
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$1,024/mo
Today · 4.125%
HK$34,441
baseline
▲ 0.50% · 4.625%
HK$36,537
+HK$2,096/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,882/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,054
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,021
−HK$981/mo
Today · 4.125%
HK$38,002
baseline
▲ 0.50% · 4.625%
HK$40,005
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,004/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,810
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,986
−HK$1,195/mo
Today · 4.125%
HK$40,181
baseline
▲ 0.50% · 4.625%
HK$42,626
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,362/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,063
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,192
−HK$1,144/mo
Today · 4.125%
HK$44,336
baseline
▲ 0.50% · 4.625%
HK$46,673
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,672/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,613
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,125
−HK$1,537/mo
Today · 4.125%
HK$51,662
baseline
▲ 0.50% · 4.625%
HK$54,805
+HK$3,143/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,324/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,082
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,532
−HK$1,471/mo
Today · 4.125%
HK$57,003
baseline
▲ 0.50% · 4.625%
HK$60,008
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,006/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,149 · Scale 2, in force from 26 Feb 2026)