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$26,986
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,826
−HK$853/mo
Today · 4.125%
HK$28,679
baseline
▲ 0.50% · 4.625%
HK$30,424
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,358/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,022
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,827
−HK$817/mo
Today · 4.125%
HK$31,644
baseline
▲ 0.50% · 4.625%
HK$33,312
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,288/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,384
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,391
−HK$1,023/mo
Today · 4.125%
HK$34,414
baseline
▲ 0.50% · 4.625%
HK$36,508
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,828/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,027
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,993
−HK$980/mo
Today · 4.125%
HK$37,973
baseline
▲ 0.50% · 4.625%
HK$39,975
+HK$2,002/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,946/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,781
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,956
−HK$1,194/mo
Today · 4.125%
HK$40,150
baseline
▲ 0.50% · 4.625%
HK$42,593
+HK$2,443/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,300/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,031
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,158
−HK$1,144/mo
Today · 4.125%
HK$44,302
baseline
▲ 0.50% · 4.625%
HK$46,637
+HK$2,335/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,604/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,576
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,086
−HK$1,536/mo
Today · 4.125%
HK$51,622
baseline
▲ 0.50% · 4.625%
HK$54,763
+HK$3,141/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,244/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,040
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,489
−HK$1,470/mo
Today · 4.125%
HK$56,959
baseline
▲ 0.50% · 4.625%
HK$59,962
+HK$3,003/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,918/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,806 · Scale 2, in force from 26 Feb 2026)