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$27,108
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,951
−HK$857/mo
Today · 4.125%
HK$28,808
baseline
▲ 0.50% · 4.625%
HK$30,561
+HK$1,753/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,616/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,157
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,966
−HK$821/mo
Today · 4.125%
HK$31,787
baseline
▲ 0.50% · 4.625%
HK$33,462
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,574/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,529
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,541
−HK$1,028/mo
Today · 4.125%
HK$34,569
baseline
▲ 0.50% · 4.625%
HK$36,673
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,138/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,189
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,159
−HK$985/mo
Today · 4.125%
HK$38,144
baseline
▲ 0.50% · 4.625%
HK$40,154
+HK$2,010/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,288/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,951
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,132
−HK$1,199/mo
Today · 4.125%
HK$40,331
baseline
▲ 0.50% · 4.625%
HK$42,785
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,662/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,220
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,352
−HK$1,149/mo
Today · 4.125%
HK$44,501
baseline
▲ 0.50% · 4.625%
HK$46,847
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,002/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,794
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,312
−HK$1,542/mo
Today · 4.125%
HK$51,854
baseline
▲ 0.50% · 4.625%
HK$55,009
+HK$3,155/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,708/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,283
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,739
−HK$1,477/mo
Today · 4.125%
HK$57,216
baseline
▲ 0.50% · 4.625%
HK$60,232
+HK$3,016/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,432/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,804 · Scale 2, in force from 26 Feb 2026)