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$27,084
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,927
−HK$856/mo
Today · 4.125%
HK$28,783
baseline
▲ 0.50% · 4.625%
HK$30,534
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,566/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,131
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,939
−HK$820/mo
Today · 4.125%
HK$31,759
baseline
▲ 0.50% · 4.625%
HK$33,433
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,518/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,501
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,512
−HK$1,027/mo
Today · 4.125%
HK$34,539
baseline
▲ 0.50% · 4.625%
HK$36,641
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,078/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,157
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,127
−HK$984/mo
Today · 4.125%
HK$38,111
baseline
▲ 0.50% · 4.625%
HK$40,119
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,222/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,918
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,097
−HK$1,199/mo
Today · 4.125%
HK$40,296
baseline
▲ 0.50% · 4.625%
HK$42,748
+HK$2,452/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,592/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,183
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,315
−HK$1,147/mo
Today · 4.125%
HK$44,462
baseline
▲ 0.50% · 4.625%
HK$46,806
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,924/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,752
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,268
−HK$1,541/mo
Today · 4.125%
HK$51,809
baseline
▲ 0.50% · 4.625%
HK$54,961
+HK$3,152/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,618/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,236
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,690
−HK$1,476/mo
Today · 4.125%
HK$57,166
baseline
▲ 0.50% · 4.625%
HK$60,179
+HK$3,013/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,332/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,415 · Scale 2, in force from 26 Feb 2026)