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$27,101
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,944
−HK$856/mo
Today · 4.125%
HK$28,800
baseline
▲ 0.50% · 4.625%
HK$30,553
+HK$1,753/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,600/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,150
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,958
−HK$820/mo
Today · 4.125%
HK$31,778
baseline
▲ 0.50% · 4.625%
HK$33,454
+HK$1,676/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,556/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,521
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,533
−HK$1,027/mo
Today · 4.125%
HK$34,560
baseline
▲ 0.50% · 4.625%
HK$36,663
+HK$2,103/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,120/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,179
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,150
−HK$984/mo
Today · 4.125%
HK$38,134
baseline
▲ 0.50% · 4.625%
HK$40,144
+HK$2,010/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,268/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,941
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,122
−HK$1,199/mo
Today · 4.125%
HK$40,321
baseline
▲ 0.50% · 4.625%
HK$42,774
+HK$2,453/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,642/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,209
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,341
−HK$1,149/mo
Today · 4.125%
HK$44,490
baseline
▲ 0.50% · 4.625%
HK$46,835
+HK$2,345/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$88,980/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,782
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,299
−HK$1,542/mo
Today · 4.125%
HK$51,841
baseline
▲ 0.50% · 4.625%
HK$54,995
+HK$3,154/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,682/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,269
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,725
−HK$1,476/mo
Today · 4.125%
HK$57,201
baseline
▲ 0.50% · 4.625%
HK$60,216
+HK$3,015/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,402/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,690 · Scale 2, in force from 26 Feb 2026)