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$27,062
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,904
−HK$855/mo
Today · 4.125%
HK$28,759
baseline
▲ 0.50% · 4.625%
HK$30,509
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,518/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,106
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,913
−HK$820/mo
Today · 4.125%
HK$31,733
baseline
▲ 0.50% · 4.625%
HK$33,405
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,466/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,474
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,484
−HK$1,027/mo
Today · 4.125%
HK$34,511
baseline
▲ 0.50% · 4.625%
HK$36,611
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,022/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,127
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,096
−HK$983/mo
Today · 4.125%
HK$38,079
baseline
▲ 0.50% · 4.625%
HK$40,086
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,158/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,887
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,065
−HK$1,197/mo
Today · 4.125%
HK$40,262
baseline
▲ 0.50% · 4.625%
HK$42,712
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,524/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,148
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,279
−HK$1,147/mo
Today · 4.125%
HK$44,426
baseline
▲ 0.50% · 4.625%
HK$46,767
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,852/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,711
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,227
−HK$1,539/mo
Today · 4.125%
HK$51,766
baseline
▲ 0.50% · 4.625%
HK$54,916
+HK$3,150/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,532/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,191
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,644
−HK$1,475/mo
Today · 4.125%
HK$57,119
baseline
▲ 0.50% · 4.625%
HK$60,129
+HK$3,010/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,238/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,047 · Scale 2, in force from 26 Feb 2026)