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$27,110
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,954
−HK$856/mo
Today · 4.125%
HK$28,810
baseline
▲ 0.50% · 4.625%
HK$30,563
+HK$1,753/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,620/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,160
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,969
−HK$820/mo
Today · 4.125%
HK$31,789
baseline
▲ 0.50% · 4.625%
HK$33,465
+HK$1,676/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,578/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,532
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,544
−HK$1,028/mo
Today · 4.125%
HK$34,572
baseline
▲ 0.50% · 4.625%
HK$36,676
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,144/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,192
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,162
−HK$985/mo
Today · 4.125%
HK$38,147
baseline
▲ 0.50% · 4.625%
HK$40,158
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,294/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,954
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,135
−HK$1,199/mo
Today · 4.125%
HK$40,334
baseline
▲ 0.50% · 4.625%
HK$42,789
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,668/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,224
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,356
−HK$1,149/mo
Today · 4.125%
HK$44,505
baseline
▲ 0.50% · 4.625%
HK$46,851
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,010/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,798
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,316
−HK$1,543/mo
Today · 4.125%
HK$51,859
baseline
▲ 0.50% · 4.625%
HK$55,014
+HK$3,155/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,718/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,288
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,744
−HK$1,477/mo
Today · 4.125%
HK$57,221
baseline
▲ 0.50% · 4.625%
HK$60,237
+HK$3,016/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,442/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,842 · Scale 2, in force from 26 Feb 2026)