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$27,086
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,929
−HK$856/mo
Today · 4.125%
HK$28,785
baseline
▲ 0.50% · 4.625%
HK$30,536
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,570/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,133
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,941
−HK$820/mo
Today · 4.125%
HK$31,761
baseline
▲ 0.50% · 4.625%
HK$33,435
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,522/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,503
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,514
−HK$1,028/mo
Today · 4.125%
HK$34,542
baseline
▲ 0.50% · 4.625%
HK$36,643
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,084/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,160
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,129
−HK$984/mo
Today · 4.125%
HK$38,113
baseline
▲ 0.50% · 4.625%
HK$40,122
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,226/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,921
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,100
−HK$1,199/mo
Today · 4.125%
HK$40,299
baseline
▲ 0.50% · 4.625%
HK$42,751
+HK$2,452/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,598/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,186
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,318
−HK$1,148/mo
Today · 4.125%
HK$44,466
baseline
▲ 0.50% · 4.625%
HK$46,809
+HK$2,343/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,932/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,755
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,272
−HK$1,540/mo
Today · 4.125%
HK$51,812
baseline
▲ 0.50% · 4.625%
HK$54,965
+HK$3,153/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,624/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,240
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,694
−HK$1,476/mo
Today · 4.125%
HK$57,170
baseline
▲ 0.50% · 4.625%
HK$60,183
+HK$3,013/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,340/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,447 · Scale 2, in force from 26 Feb 2026)