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$27,017
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,858
−HK$854/mo
Today · 4.125%
HK$28,712
baseline
▲ 0.50% · 4.625%
HK$30,459
+HK$1,747/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,424/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,057
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,863
−HK$818/mo
Today · 4.125%
HK$31,681
baseline
▲ 0.50% · 4.625%
HK$33,350
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,362/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,421
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,429
−HK$1,025/mo
Today · 4.125%
HK$34,454
baseline
▲ 0.50% · 4.625%
HK$36,550
+HK$2,096/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,908/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,068
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,035
−HK$982/mo
Today · 4.125%
HK$38,017
baseline
▲ 0.50% · 4.625%
HK$40,021
+HK$2,004/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,034/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,824
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,001
−HK$1,195/mo
Today · 4.125%
HK$40,196
baseline
▲ 0.50% · 4.625%
HK$42,642
+HK$2,446/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,392/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,079
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,208
−HK$1,145/mo
Today · 4.125%
HK$44,353
baseline
▲ 0.50% · 4.625%
HK$46,691
+HK$2,338/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,706/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,631
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,144
−HK$1,537/mo
Today · 4.125%
HK$51,681
baseline
▲ 0.50% · 4.625%
HK$54,826
+HK$3,145/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,362/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,102
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,553
−HK$1,472/mo
Today · 4.125%
HK$57,025
baseline
▲ 0.50% · 4.625%
HK$60,031
+HK$3,006/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,050/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,317 · Scale 2, in force from 26 Feb 2026)