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$26,991
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,831
−HK$853/mo
Today · 4.125%
HK$28,684
baseline
▲ 0.50% · 4.625%
HK$30,429
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,368/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,028
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,833
−HK$817/mo
Today · 4.125%
HK$31,650
baseline
▲ 0.50% · 4.625%
HK$33,318
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,300/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,390
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,397
−HK$1,024/mo
Today · 4.125%
HK$34,421
baseline
▲ 0.50% · 4.625%
HK$36,515
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,842/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,033
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,999
−HK$981/mo
Today · 4.125%
HK$37,980
baseline
▲ 0.50% · 4.625%
HK$39,982
+HK$2,002/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,960/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,788
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,963
−HK$1,194/mo
Today · 4.125%
HK$40,157
baseline
▲ 0.50% · 4.625%
HK$42,601
+HK$2,444/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,314/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,039
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,166
−HK$1,144/mo
Today · 4.125%
HK$44,310
baseline
▲ 0.50% · 4.625%
HK$46,645
+HK$2,335/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,620/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,584
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,096
−HK$1,535/mo
Today · 4.125%
HK$51,631
baseline
▲ 0.50% · 4.625%
HK$54,773
+HK$3,142/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,262/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,050
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,499
−HK$1,471/mo
Today · 4.125%
HK$56,970
baseline
▲ 0.50% · 4.625%
HK$59,973
+HK$3,003/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,940/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,887 · Scale 2, in force from 26 Feb 2026)