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$27,049
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,891
−HK$855/mo
Today · 4.125%
HK$28,746
baseline
▲ 0.50% · 4.625%
HK$30,495
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,492/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,092
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,899
−HK$819/mo
Today · 4.125%
HK$31,718
baseline
▲ 0.50% · 4.625%
HK$33,390
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,436/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,459
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,469
−HK$1,026/mo
Today · 4.125%
HK$34,495
baseline
▲ 0.50% · 4.625%
HK$36,594
+HK$2,099/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$68,990/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,111
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,079
−HK$983/mo
Today · 4.125%
HK$38,062
baseline
▲ 0.50% · 4.625%
HK$40,068
+HK$2,006/mo
Deposit HK$4.74M · loan HK$7.12M · min. income ≈ HK$76,124/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,869
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,047
−HK$1,197/mo
Today · 4.125%
HK$40,244
baseline
▲ 0.50% · 4.625%
HK$42,693
+HK$2,449/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,488/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,129
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,259
−HK$1,146/mo
Today · 4.125%
HK$44,405
baseline
▲ 0.50% · 4.625%
HK$46,746
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,810/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,689
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,204
−HK$1,538/mo
Today · 4.125%
HK$51,742
baseline
▲ 0.50% · 4.625%
HK$54,891
+HK$3,149/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,484/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,166
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,619
−HK$1,474/mo
Today · 4.125%
HK$57,093
baseline
▲ 0.50% · 4.625%
HK$60,102
+HK$3,009/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,186/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,843 · Scale 2, in force from 26 Feb 2026)