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$27,095
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,938
−HK$857/mo
Today · 4.125%
HK$28,795
baseline
▲ 0.50% · 4.625%
HK$30,547
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,590/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,143
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,952
−HK$820/mo
Today · 4.125%
HK$31,772
baseline
▲ 0.50% · 4.625%
HK$33,447
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,544/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,514
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,526
−HK$1,027/mo
Today · 4.125%
HK$34,553
baseline
▲ 0.50% · 4.625%
HK$36,656
+HK$2,103/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,106/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,172
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,142
−HK$984/mo
Today · 4.125%
HK$38,126
baseline
▲ 0.50% · 4.625%
HK$40,136
+HK$2,010/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,252/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,934
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,113
−HK$1,199/mo
Today · 4.125%
HK$40,312
baseline
▲ 0.50% · 4.625%
HK$42,765
+HK$2,453/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,624/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,201
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,332
−HK$1,149/mo
Today · 4.125%
HK$44,481
baseline
▲ 0.50% · 4.625%
HK$46,825
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,962/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,772
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,289
−HK$1,541/mo
Today · 4.125%
HK$51,830
baseline
▲ 0.50% · 4.625%
HK$54,984
+HK$3,154/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,660/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,258
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,713
−HK$1,476/mo
Today · 4.125%
HK$57,189
baseline
▲ 0.50% · 4.625%
HK$60,204
+HK$3,015/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,378/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,598 · Scale 2, in force from 26 Feb 2026)