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$27,061
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,903
−HK$855/mo
Today · 4.125%
HK$28,758
baseline
▲ 0.50% · 4.625%
HK$30,508
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,516/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,105
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,912
−HK$819/mo
Today · 4.125%
HK$31,731
baseline
▲ 0.50% · 4.625%
HK$33,404
+HK$1,673/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,462/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,473
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,483
−HK$1,026/mo
Today · 4.125%
HK$34,509
baseline
▲ 0.50% · 4.625%
HK$36,609
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,018/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,126
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,095
−HK$983/mo
Today · 4.125%
HK$38,078
baseline
▲ 0.50% · 4.625%
HK$40,085
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,156/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,885
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,064
−HK$1,197/mo
Today · 4.125%
HK$40,261
baseline
▲ 0.50% · 4.625%
HK$42,711
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,522/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,147
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,277
−HK$1,147/mo
Today · 4.125%
HK$44,424
baseline
▲ 0.50% · 4.625%
HK$46,766
+HK$2,342/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,848/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,709
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,225
−HK$1,539/mo
Today · 4.125%
HK$51,764
baseline
▲ 0.50% · 4.625%
HK$54,914
+HK$3,150/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,528/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,189
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,642
−HK$1,474/mo
Today · 4.125%
HK$57,116
baseline
▲ 0.50% · 4.625%
HK$60,127
+HK$3,011/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,232/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,030 · Scale 2, in force from 26 Feb 2026)