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$27,091
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,934
−HK$856/mo
Today · 4.125%
HK$28,790
baseline
▲ 0.50% · 4.625%
HK$30,541
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,580/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,138
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,947
−HK$820/mo
Today · 4.125%
HK$31,767
baseline
▲ 0.50% · 4.625%
HK$33,441
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,534/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,509
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,520
−HK$1,028/mo
Today · 4.125%
HK$34,548
baseline
▲ 0.50% · 4.625%
HK$36,650
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,096/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,166
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,136
−HK$984/mo
Today · 4.125%
HK$38,120
baseline
▲ 0.50% · 4.625%
HK$40,129
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,240/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,927
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,107
−HK$1,199/mo
Today · 4.125%
HK$40,306
baseline
▲ 0.50% · 4.625%
HK$42,758
+HK$2,452/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,612/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,194
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,325
−HK$1,148/mo
Today · 4.125%
HK$44,473
baseline
▲ 0.50% · 4.625%
HK$46,817
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,946/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,763
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,280
−HK$1,541/mo
Today · 4.125%
HK$51,821
baseline
▲ 0.50% · 4.625%
HK$54,975
+HK$3,154/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,642/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,249
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,704
−HK$1,476/mo
Today · 4.125%
HK$57,180
baseline
▲ 0.50% · 4.625%
HK$60,194
+HK$3,014/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,360/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,523 · Scale 2, in force from 26 Feb 2026)