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$27,093
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,936
−HK$856/mo
Today · 4.125%
HK$28,792
baseline
▲ 0.50% · 4.625%
HK$30,544
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,584/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,141
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,949
−HK$820/mo
Today · 4.125%
HK$31,769
baseline
▲ 0.50% · 4.625%
HK$33,444
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,538/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,512
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,523
−HK$1,028/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$445,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,169
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,139
−HK$984/mo
Today · 4.125%
HK$38,123
baseline
▲ 0.50% · 4.625%
HK$40,133
+HK$2,010/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,246/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,930
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,110
−HK$1,199/mo
Today · 4.125%
HK$40,309
baseline
▲ 0.50% · 4.625%
HK$42,762
+HK$2,453/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,618/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,197
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,329
−HK$1,148/mo
Today · 4.125%
HK$44,477
baseline
▲ 0.50% · 4.625%
HK$46,821
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,954/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,768
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,285
−HK$1,541/mo
Today · 4.125%
HK$51,826
baseline
▲ 0.50% · 4.625%
HK$54,979
+HK$3,153/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,652/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,254
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,709
−HK$1,476/mo
Today · 4.125%
HK$57,185
baseline
▲ 0.50% · 4.625%
HK$60,199
+HK$3,014/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,370/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,562 · Scale 2, in force from 26 Feb 2026)