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$27,098
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,941
−HK$856/mo
Today · 4.125%
HK$28,797
baseline
▲ 0.50% · 4.625%
HK$30,550
+HK$1,753/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,594/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,146
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,955
−HK$820/mo
Today · 4.125%
HK$31,775
baseline
▲ 0.50% · 4.625%
HK$33,450
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,550/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,518
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,529
−HK$1,028/mo
Today · 4.125%
HK$34,557
baseline
▲ 0.50% · 4.625%
HK$36,660
+HK$2,103/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,114/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,176
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,146
−HK$984/mo
Today · 4.125%
HK$38,130
baseline
▲ 0.50% · 4.625%
HK$40,140
+HK$2,010/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,260/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,937
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,117
−HK$1,199/mo
Today · 4.125%
HK$40,316
baseline
▲ 0.50% · 4.625%
HK$42,770
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,632/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,205
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,337
−HK$1,148/mo
Today · 4.125%
HK$44,485
baseline
▲ 0.50% · 4.625%
HK$46,830
+HK$2,345/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$88,970/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,777
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,294
−HK$1,541/mo
Today · 4.125%
HK$51,835
baseline
▲ 0.50% · 4.625%
HK$54,989
+HK$3,154/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,670/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,263
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,719
−HK$1,476/mo
Today · 4.125%
HK$57,195
baseline
▲ 0.50% · 4.625%
HK$60,210
+HK$3,015/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,390/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,643 · Scale 2, in force from 26 Feb 2026)