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$27,077
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,919
−HK$856/mo
Today · 4.125%
HK$28,775
baseline
▲ 0.50% · 4.625%
HK$30,526
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,550/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,123
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,931
−HK$819/mo
Today · 4.125%
HK$31,750
baseline
▲ 0.50% · 4.625%
HK$33,424
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,500/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,492
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,503
−HK$1,027/mo
Today · 4.125%
HK$34,530
baseline
▲ 0.50% · 4.625%
HK$36,631
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,060/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,147
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,117
−HK$983/mo
Today · 4.125%
HK$38,100
baseline
▲ 0.50% · 4.625%
HK$40,109
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,200/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,908
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,087
−HK$1,198/mo
Today · 4.125%
HK$40,285
baseline
▲ 0.50% · 4.625%
HK$42,736
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,570/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,172
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,303
−HK$1,147/mo
Today · 4.125%
HK$44,450
baseline
▲ 0.50% · 4.625%
HK$46,794
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,900/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,739
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,255
−HK$1,540/mo
Today · 4.125%
HK$51,795
baseline
▲ 0.50% · 4.625%
HK$54,947
+HK$3,152/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,590/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,221
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,675
−HK$1,476/mo
Today · 4.125%
HK$57,151
baseline
▲ 0.50% · 4.625%
HK$60,163
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,302/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,296 · Scale 2, in force from 26 Feb 2026)