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$27,090
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,933
−HK$856/mo
Today · 4.125%
HK$28,789
baseline
▲ 0.50% · 4.625%
HK$30,540
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,578/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,137
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,946
−HK$819/mo
Today · 4.125%
HK$31,765
baseline
▲ 0.50% · 4.625%
HK$33,440
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,530/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,508
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,519
−HK$1,027/mo
Today · 4.125%
HK$34,546
baseline
▲ 0.50% · 4.625%
HK$36,648
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,092/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,165
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,135
−HK$984/mo
Today · 4.125%
HK$38,119
baseline
▲ 0.50% · 4.625%
HK$40,128
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,238/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,926
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,106
−HK$1,198/mo
Today · 4.125%
HK$40,304
baseline
▲ 0.50% · 4.625%
HK$42,757
+HK$2,453/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,608/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,192
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,324
−HK$1,148/mo
Today · 4.125%
HK$44,472
baseline
▲ 0.50% · 4.625%
HK$46,816
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,944/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,762
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,279
−HK$1,541/mo
Today · 4.125%
HK$51,820
baseline
▲ 0.50% · 4.625%
HK$54,973
+HK$3,153/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,640/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,247
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,702
−HK$1,476/mo
Today · 4.125%
HK$57,178
baseline
▲ 0.50% · 4.625%
HK$60,192
+HK$3,014/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,356/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,508 · Scale 2, in force from 26 Feb 2026)