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$27,059
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,900
−HK$856/mo
Today · 4.125%
HK$28,756
baseline
▲ 0.50% · 4.625%
HK$30,505
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,512/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,103
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,910
−HK$819/mo
Today · 4.125%
HK$31,729
baseline
▲ 0.50% · 4.625%
HK$33,401
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,458/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,471
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,481
−HK$1,026/mo
Today · 4.125%
HK$34,507
baseline
▲ 0.50% · 4.625%
HK$36,606
+HK$2,099/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,014/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,123
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,092
−HK$983/mo
Today · 4.125%
HK$38,075
baseline
▲ 0.50% · 4.625%
HK$40,082
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,150/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,882
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,061
−HK$1,197/mo
Today · 4.125%
HK$40,258
baseline
▲ 0.50% · 4.625%
HK$42,707
+HK$2,449/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,516/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,144
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,274
−HK$1,147/mo
Today · 4.125%
HK$44,421
baseline
▲ 0.50% · 4.625%
HK$46,762
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,842/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,706
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,221
−HK$1,539/mo
Today · 4.125%
HK$51,760
baseline
▲ 0.50% · 4.625%
HK$54,910
+HK$3,150/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,520/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,185
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,638
−HK$1,474/mo
Today · 4.125%
HK$57,112
baseline
▲ 0.50% · 4.625%
HK$60,123
+HK$3,011/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,224/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,996 · Scale 2, in force from 26 Feb 2026)