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$27,110
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,953
−HK$857/mo
Today · 4.125%
HK$28,810
baseline
▲ 0.50% · 4.625%
HK$30,563
+HK$1,753/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,620/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,159
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,968
−HK$821/mo
Today · 4.125%
HK$31,789
baseline
▲ 0.50% · 4.625%
HK$33,464
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,578/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,532
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,544
−HK$1,028/mo
Today · 4.125%
HK$34,572
baseline
▲ 0.50% · 4.625%
HK$36,675
+HK$2,103/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,144/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,191
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,162
−HK$985/mo
Today · 4.125%
HK$38,147
baseline
▲ 0.50% · 4.625%
HK$40,157
+HK$2,010/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,294/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,954
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,134
−HK$1,200/mo
Today · 4.125%
HK$40,334
baseline
▲ 0.50% · 4.625%
HK$42,788
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,668/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,223
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,356
−HK$1,148/mo
Today · 4.125%
HK$44,504
baseline
▲ 0.50% · 4.625%
HK$46,850
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,008/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,798
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,316
−HK$1,542/mo
Today · 4.125%
HK$51,858
baseline
▲ 0.50% · 4.625%
HK$55,013
+HK$3,155/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,716/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,287
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,743
−HK$1,477/mo
Today · 4.125%
HK$57,220
baseline
▲ 0.50% · 4.625%
HK$60,236
+HK$3,016/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,440/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,836 · Scale 2, in force from 26 Feb 2026)