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$27,079
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,922
−HK$855/mo
Today · 4.125%
HK$28,777
baseline
▲ 0.50% · 4.625%
HK$30,529
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,554/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,126
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,933
−HK$820/mo
Today · 4.125%
HK$31,753
baseline
▲ 0.50% · 4.625%
HK$33,427
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,506/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,495
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,506
−HK$1,027/mo
Today · 4.125%
HK$34,533
baseline
▲ 0.50% · 4.625%
HK$36,634
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,066/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,151
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,120
−HK$984/mo
Today · 4.125%
HK$38,104
baseline
▲ 0.50% · 4.625%
HK$40,112
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,208/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,911
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,090
−HK$1,198/mo
Today · 4.125%
HK$40,288
baseline
▲ 0.50% · 4.625%
HK$42,740
+HK$2,452/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,576/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,176
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,307
−HK$1,147/mo
Today · 4.125%
HK$44,454
baseline
▲ 0.50% · 4.625%
HK$46,798
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,908/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,743
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,259
−HK$1,540/mo
Today · 4.125%
HK$51,799
baseline
▲ 0.50% · 4.625%
HK$54,951
+HK$3,152/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,598/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,226
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,680
−HK$1,476/mo
Today · 4.125%
HK$57,156
baseline
▲ 0.50% · 4.625%
HK$60,168
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,312/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,335 · Scale 2, in force from 26 Feb 2026)