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$26,980
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,819
−HK$853/mo
Today · 4.125%
HK$28,672
baseline
▲ 0.50% · 4.625%
HK$30,417
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,344/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,015
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,820
−HK$817/mo
Today · 4.125%
HK$31,637
baseline
▲ 0.50% · 4.625%
HK$33,304
+HK$1,667/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,274/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,376
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,383
−HK$1,023/mo
Today · 4.125%
HK$34,406
baseline
▲ 0.50% · 4.625%
HK$36,500
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,812/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,018
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,984
−HK$980/mo
Today · 4.125%
HK$37,964
baseline
▲ 0.50% · 4.625%
HK$39,965
+HK$2,001/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,928/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,772
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,947
−HK$1,194/mo
Today · 4.125%
HK$40,141
baseline
▲ 0.50% · 4.625%
HK$42,583
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,282/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,021
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,148
−HK$1,144/mo
Today · 4.125%
HK$44,292
baseline
▲ 0.50% · 4.625%
HK$46,626
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,584/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,564
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,075
−HK$1,535/mo
Today · 4.125%
HK$51,610
baseline
▲ 0.50% · 4.625%
HK$54,750
+HK$3,140/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,220/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,027
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,476
−HK$1,470/mo
Today · 4.125%
HK$56,946
baseline
▲ 0.50% · 4.625%
HK$59,948
+HK$3,002/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,892/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,704 · Scale 2, in force from 26 Feb 2026)