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$30,524
+HK$1,750/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$445,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,121
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,929
−HK$820/mo
Today · 4.125%
HK$31,749
baseline
▲ 0.50% · 4.625%
HK$33,422
+HK$1,673/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$445,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,491
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,502
−HK$1,026/mo
Today · 4.125%
HK$34,528
baseline
▲ 0.50% · 4.625%
HK$36,629
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,056/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,146
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,115
−HK$984/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$445,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,906
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,085
−HK$1,198/mo
Today · 4.125%
HK$40,283
baseline
▲ 0.50% · 4.625%
HK$42,734
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,566/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,170
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,301
−HK$1,147/mo
Today · 4.125%
HK$44,448
baseline
▲ 0.50% · 4.625%
HK$46,791
+HK$2,343/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,896/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,736
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,252
−HK$1,541/mo
Today · 4.125%
HK$51,793
baseline
▲ 0.50% · 4.625%
HK$54,944
+HK$3,151/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$445,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,219
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,673
−HK$1,475/mo
Today · 4.125%
HK$57,148
baseline
▲ 0.50% · 4.625%
HK$60,160
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,296/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,275 · Scale 2, in force from 26 Feb 2026)