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$27,920
−HK$855/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$445,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,123
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,931
−HK$820/mo
Today · 4.125%
HK$31,751
baseline
▲ 0.50% · 4.625%
HK$33,425
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,502/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,493
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,504
−HK$1,027/mo
Today · 4.125%
HK$34,531
baseline
▲ 0.50% · 4.625%
HK$36,632
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,062/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,148
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,118
−HK$983/mo
Today · 4.125%
HK$38,101
baseline
▲ 0.50% · 4.625%
HK$40,109
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,202/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,908
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,088
−HK$1,198/mo
Today · 4.125%
HK$40,286
baseline
▲ 0.50% · 4.625%
HK$42,737
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,572/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,173
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,304
−HK$1,147/mo
Today · 4.125%
HK$44,451
baseline
▲ 0.50% · 4.625%
HK$46,794
+HK$2,343/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,902/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,739
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,256
−HK$1,540/mo
Today · 4.125%
HK$51,796
baseline
▲ 0.50% · 4.625%
HK$54,947
+HK$3,151/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,592/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,222
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,676
−HK$1,476/mo
Today · 4.125%
HK$57,152
baseline
▲ 0.50% · 4.625%
HK$60,164
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,304/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,304 · Scale 2, in force from 26 Feb 2026)