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$1,694/mo
▼ 0.25% · 3.875%
HK$27,846
−HK$854/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,446
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$444,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,044
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,850
−HK$817/mo
Today · 4.125%
HK$31,667
baseline
▲ 0.50% · 4.625%
HK$33,337
+HK$1,670/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$444,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,407
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,415
−HK$1,025/mo
Today · 4.125%
HK$34,440
baseline
▲ 0.50% · 4.625%
HK$36,535
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$68,880/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,053
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,020
−HK$981/mo
Today · 4.125%
HK$38,001
baseline
▲ 0.50% · 4.625%
HK$40,004
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.11M · min. income ≈ HK$76,002/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,809
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,985
−HK$1,195/mo
Today · 4.125%
HK$40,180
baseline
▲ 0.50% · 4.625%
HK$42,624
+HK$2,444/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,360/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,062
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,190
−HK$1,144/mo
Today · 4.125%
HK$44,334
baseline
▲ 0.50% · 4.625%
HK$46,671
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,668/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,611
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,123
−HK$1,536/mo
Today · 4.125%
HK$51,659
baseline
▲ 0.50% · 4.625%
HK$54,803
+HK$3,144/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$444,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,079
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,530
−HK$1,471/mo
Today · 4.125%
HK$57,001
baseline
▲ 0.50% · 4.625%
HK$60,006
+HK$3,005/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$114,002/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,131 · Scale 2, in force from 26 Feb 2026)