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$27,065
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,906
−HK$856/mo
Today · 4.125%
HK$28,762
baseline
▲ 0.50% · 4.625%
HK$30,512
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,524/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,109
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,917
−HK$819/mo
Today · 4.125%
HK$31,736
baseline
▲ 0.50% · 4.625%
HK$33,409
+HK$1,673/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,472/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,478
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,488
−HK$1,026/mo
Today · 4.125%
HK$34,514
baseline
▲ 0.50% · 4.625%
HK$36,614
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,028/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,131
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,100
−HK$983/mo
Today · 4.125%
HK$38,083
baseline
▲ 0.50% · 4.625%
HK$40,090
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,166/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,890
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,069
−HK$1,198/mo
Today · 4.125%
HK$40,267
baseline
▲ 0.50% · 4.625%
HK$42,717
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,534/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,153
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,283
−HK$1,147/mo
Today · 4.125%
HK$44,430
baseline
▲ 0.50% · 4.625%
HK$46,772
+HK$2,342/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,860/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,716
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,232
−HK$1,539/mo
Today · 4.125%
HK$51,771
baseline
▲ 0.50% · 4.625%
HK$54,921
+HK$3,150/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,542/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,196
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,650
−HK$1,474/mo
Today · 4.125%
HK$57,124
baseline
▲ 0.50% · 4.625%
HK$60,136
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,248/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,092 · Scale 2, in force from 26 Feb 2026)