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$27,019
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,859
−HK$854/mo
Today · 4.125%
HK$28,713
baseline
▲ 0.50% · 4.625%
HK$30,460
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,426/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,058
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,864
−HK$818/mo
Today · 4.125%
HK$31,682
baseline
▲ 0.50% · 4.625%
HK$33,352
+HK$1,670/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,364/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,422
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,431
−HK$1,024/mo
Today · 4.125%
HK$34,455
baseline
▲ 0.50% · 4.625%
HK$36,552
+HK$2,097/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,910/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,069
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,037
−HK$981/mo
Today · 4.125%
HK$38,018
baseline
▲ 0.50% · 4.625%
HK$40,022
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,036/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,826
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,003
−HK$1,195/mo
Today · 4.125%
HK$40,198
baseline
▲ 0.50% · 4.625%
HK$42,644
+HK$2,446/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,396/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,081
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,210
−HK$1,144/mo
Today · 4.125%
HK$44,354
baseline
▲ 0.50% · 4.625%
HK$46,692
+HK$2,338/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,708/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,633
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,146
−HK$1,537/mo
Today · 4.125%
HK$51,683
baseline
▲ 0.50% · 4.625%
HK$54,828
+HK$3,145/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,366/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,104
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,555
−HK$1,472/mo
Today · 4.125%
HK$57,027
baseline
▲ 0.50% · 4.625%
HK$60,033
+HK$3,006/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,054/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,334 · Scale 2, in force from 26 Feb 2026)