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$27,080
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,923
−HK$856/mo
Today · 4.125%
HK$28,779
baseline
▲ 0.50% · 4.625%
HK$30,530
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,558/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,127
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,935
−HK$819/mo
Today · 4.125%
HK$31,754
baseline
▲ 0.50% · 4.625%
HK$33,428
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,508/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,496
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,507
−HK$1,027/mo
Today · 4.125%
HK$34,534
baseline
▲ 0.50% · 4.625%
HK$36,636
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,068/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,152
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,121
−HK$984/mo
Today · 4.125%
HK$38,105
baseline
▲ 0.50% · 4.625%
HK$40,114
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,210/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,912
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,092
−HK$1,198/mo
Today · 4.125%
HK$40,290
baseline
▲ 0.50% · 4.625%
HK$42,741
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,580/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,177
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,308
−HK$1,148/mo
Today · 4.125%
HK$44,456
baseline
▲ 0.50% · 4.625%
HK$46,799
+HK$2,343/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,912/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,745
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,261
−HK$1,540/mo
Today · 4.125%
HK$51,801
baseline
▲ 0.50% · 4.625%
HK$54,953
+HK$3,152/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,602/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,228
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,682
−HK$1,476/mo
Today · 4.125%
HK$57,158
baseline
▲ 0.50% · 4.625%
HK$60,171
+HK$3,013/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,316/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,351 · Scale 2, in force from 26 Feb 2026)