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$27,052
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,894
−HK$855/mo
Today · 4.125%
HK$28,749
baseline
▲ 0.50% · 4.625%
HK$30,498
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,498/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,095
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,902
−HK$819/mo
Today · 4.125%
HK$31,721
baseline
▲ 0.50% · 4.625%
HK$33,393
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,442/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,463
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,472
−HK$1,026/mo
Today · 4.125%
HK$34,498
baseline
▲ 0.50% · 4.625%
HK$36,598
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$68,996/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,114
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,083
−HK$983/mo
Today · 4.125%
HK$38,066
baseline
▲ 0.50% · 4.625%
HK$40,072
+HK$2,006/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,132/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,873
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,051
−HK$1,197/mo
Today · 4.125%
HK$40,248
baseline
▲ 0.50% · 4.625%
HK$42,697
+HK$2,449/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,496/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,133
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,263
−HK$1,147/mo
Today · 4.125%
HK$44,410
baseline
▲ 0.50% · 4.625%
HK$46,751
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,820/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,694
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,209
−HK$1,539/mo
Today · 4.125%
HK$51,748
baseline
▲ 0.50% · 4.625%
HK$54,896
+HK$3,148/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,496/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,172
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,624
−HK$1,474/mo
Today · 4.125%
HK$57,098
baseline
▲ 0.50% · 4.625%
HK$60,108
+HK$3,010/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,196/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,889 · Scale 2, in force from 26 Feb 2026)