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$27,094
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,936
−HK$857/mo
Today · 4.125%
HK$28,793
baseline
▲ 0.50% · 4.625%
HK$30,545
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,586/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,141
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,950
−HK$820/mo
Today · 4.125%
HK$31,770
baseline
▲ 0.50% · 4.625%
HK$33,444
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,540/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,512
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,524
−HK$1,027/mo
Today · 4.125%
HK$34,551
baseline
▲ 0.50% · 4.625%
HK$36,653
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,102/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,170
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,140
−HK$984/mo
Today · 4.125%
HK$38,124
baseline
▲ 0.50% · 4.625%
HK$40,133
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,248/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,931
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,111
−HK$1,199/mo
Today · 4.125%
HK$40,310
baseline
▲ 0.50% · 4.625%
HK$42,762
+HK$2,452/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,620/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,198
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,330
−HK$1,148/mo
Today · 4.125%
HK$44,478
baseline
▲ 0.50% · 4.625%
HK$46,822
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,956/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,768
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,285
−HK$1,542/mo
Today · 4.125%
HK$51,827
baseline
▲ 0.50% · 4.625%
HK$54,980
+HK$3,153/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,654/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,254
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,709
−HK$1,477/mo
Today · 4.125%
HK$57,186
baseline
▲ 0.50% · 4.625%
HK$60,200
+HK$3,014/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,372/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,568 · Scale 2, in force from 26 Feb 2026)