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$27,055
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,896
−HK$855/mo
Today · 4.125%
HK$28,751
baseline
▲ 0.50% · 4.625%
HK$30,501
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,502/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,098
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,905
−HK$819/mo
Today · 4.125%
HK$31,724
baseline
▲ 0.50% · 4.625%
HK$33,396
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,448/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,466
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,475
−HK$1,026/mo
Today · 4.125%
HK$34,501
baseline
▲ 0.50% · 4.625%
HK$36,601
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,002/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,118
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,086
−HK$983/mo
Today · 4.125%
HK$38,069
baseline
▲ 0.50% · 4.625%
HK$40,076
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,138/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,876
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,055
−HK$1,197/mo
Today · 4.125%
HK$40,252
baseline
▲ 0.50% · 4.625%
HK$42,701
+HK$2,449/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,504/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,137
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,267
−HK$1,147/mo
Today · 4.125%
HK$44,414
baseline
▲ 0.50% · 4.625%
HK$46,755
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,828/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,698
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,213
−HK$1,539/mo
Today · 4.125%
HK$51,752
baseline
▲ 0.50% · 4.625%
HK$54,901
+HK$3,149/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,504/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,176
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,629
−HK$1,474/mo
Today · 4.125%
HK$57,103
baseline
▲ 0.50% · 4.625%
HK$60,113
+HK$3,010/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,206/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,928 · Scale 2, in force from 26 Feb 2026)