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$27,006
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,846
−HK$853/mo
Today · 4.125%
HK$28,699
baseline
▲ 0.50% · 4.625%
HK$30,445
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,398/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,044
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,849
−HK$818/mo
Today · 4.125%
HK$31,667
baseline
▲ 0.50% · 4.625%
HK$33,336
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,334/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,407
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,415
−HK$1,024/mo
Today · 4.125%
HK$34,439
baseline
▲ 0.50% · 4.625%
HK$36,535
+HK$2,096/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,878/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,052
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,019
−HK$981/mo
Today · 4.125%
HK$38,000
baseline
▲ 0.50% · 4.625%
HK$40,003
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,000/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,808
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,984
−HK$1,195/mo
Today · 4.125%
HK$40,179
baseline
▲ 0.50% · 4.625%
HK$42,624
+HK$2,445/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,358/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,061
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,189
−HK$1,144/mo
Today · 4.125%
HK$44,333
baseline
▲ 0.50% · 4.625%
HK$46,670
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,666/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,610
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,122
−HK$1,537/mo
Today · 4.125%
HK$51,659
baseline
▲ 0.50% · 4.625%
HK$54,802
+HK$3,143/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,318/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,078
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,529
−HK$1,471/mo
Today · 4.125%
HK$57,000
baseline
▲ 0.50% · 4.625%
HK$60,005
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,000/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,123 · Scale 2, in force from 26 Feb 2026)