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$27,076
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,918
−HK$856/mo
Today · 4.125%
HK$28,774
baseline
▲ 0.50% · 4.625%
HK$30,525
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,548/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,122
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,930
−HK$819/mo
Today · 4.125%
HK$31,749
baseline
▲ 0.50% · 4.625%
HK$33,423
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,498/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,491
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,502
−HK$1,027/mo
Today · 4.125%
HK$34,529
baseline
▲ 0.50% · 4.625%
HK$36,630
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,058/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,146
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,116
−HK$983/mo
Today · 4.125%
HK$38,099
baseline
▲ 0.50% · 4.625%
HK$40,107
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,198/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,907
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,086
−HK$1,198/mo
Today · 4.125%
HK$40,284
baseline
▲ 0.50% · 4.625%
HK$42,735
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,568/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,171
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,302
−HK$1,147/mo
Today · 4.125%
HK$44,449
baseline
▲ 0.50% · 4.625%
HK$46,792
+HK$2,343/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,898/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,737
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,253
−HK$1,540/mo
Today · 4.125%
HK$51,793
baseline
▲ 0.50% · 4.625%
HK$54,945
+HK$3,152/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,586/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,219
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,674
−HK$1,475/mo
Today · 4.125%
HK$57,149
baseline
▲ 0.50% · 4.625%
HK$60,161
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,298/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,281 · Scale 2, in force from 26 Feb 2026)