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$27,010
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,850
−HK$853/mo
Today · 4.125%
HK$28,703
baseline
▲ 0.50% · 4.625%
HK$30,450
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,406/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,048
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,854
−HK$817/mo
Today · 4.125%
HK$31,671
baseline
▲ 0.50% · 4.625%
HK$33,341
+HK$1,670/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,342/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,412
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,420
−HK$1,024/mo
Today · 4.125%
HK$34,444
baseline
▲ 0.50% · 4.625%
HK$36,540
+HK$2,096/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,888/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,057
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,025
−HK$981/mo
Today · 4.125%
HK$38,006
baseline
▲ 0.50% · 4.625%
HK$40,009
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,012/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,813
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,990
−HK$1,195/mo
Today · 4.125%
HK$40,185
baseline
▲ 0.50% · 4.625%
HK$42,630
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,370/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,067
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,195
−HK$1,145/mo
Today · 4.125%
HK$44,340
baseline
▲ 0.50% · 4.625%
HK$46,677
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,680/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,617
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,130
−HK$1,536/mo
Today · 4.125%
HK$51,666
baseline
▲ 0.50% · 4.625%
HK$54,810
+HK$3,144/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,332/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,086
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,537
−HK$1,471/mo
Today · 4.125%
HK$57,008
baseline
▲ 0.50% · 4.625%
HK$60,013
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,016/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,187 · Scale 2, in force from 26 Feb 2026)