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$27,051
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,893
−HK$855/mo
Today · 4.125%
HK$28,748
baseline
▲ 0.50% · 4.625%
HK$30,497
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,496/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,094
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,902
−HK$818/mo
Today · 4.125%
HK$31,720
baseline
▲ 0.50% · 4.625%
HK$33,392
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,440/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,462
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,471
−HK$1,026/mo
Today · 4.125%
HK$34,497
baseline
▲ 0.50% · 4.625%
HK$36,596
+HK$2,099/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$68,994/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,113
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,082
−HK$982/mo
Today · 4.125%
HK$38,064
baseline
▲ 0.50% · 4.625%
HK$40,071
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,128/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,872
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,050
−HK$1,197/mo
Today · 4.125%
HK$40,247
baseline
▲ 0.50% · 4.625%
HK$42,696
+HK$2,449/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,494/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,132
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,262
−HK$1,147/mo
Today · 4.125%
HK$44,409
baseline
▲ 0.50% · 4.625%
HK$46,749
+HK$2,340/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,818/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,693
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,207
−HK$1,539/mo
Today · 4.125%
HK$51,746
baseline
▲ 0.50% · 4.625%
HK$54,895
+HK$3,149/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,492/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,170
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,623
−HK$1,474/mo
Today · 4.125%
HK$57,097
baseline
▲ 0.50% · 4.625%
HK$60,106
+HK$3,009/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,194/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,876 · Scale 2, in force from 26 Feb 2026)