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$27,111
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,955
−HK$857/mo
Today · 4.125%
HK$28,812
baseline
▲ 0.50% · 4.625%
HK$30,565
+HK$1,753/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,624/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,161
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,970
−HK$821/mo
Today · 4.125%
HK$31,791
baseline
▲ 0.50% · 4.625%
HK$33,466
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,582/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,534
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,546
−HK$1,028/mo
Today · 4.125%
HK$34,574
baseline
▲ 0.50% · 4.625%
HK$36,678
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,148/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,193
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,164
−HK$985/mo
Today · 4.125%
HK$38,149
baseline
▲ 0.50% · 4.625%
HK$40,160
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,298/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,956
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,137
−HK$1,199/mo
Today · 4.125%
HK$40,336
baseline
▲ 0.50% · 4.625%
HK$42,791
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,672/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,226
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,358
−HK$1,149/mo
Today · 4.125%
HK$44,507
baseline
▲ 0.50% · 4.625%
HK$46,853
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,014/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,801
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,319
−HK$1,542/mo
Today · 4.125%
HK$51,861
baseline
▲ 0.50% · 4.625%
HK$55,016
+HK$3,155/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,722/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,290
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,746
−HK$1,477/mo
Today · 4.125%
HK$57,223
baseline
▲ 0.50% · 4.625%
HK$60,240
+HK$3,017/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,446/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,862 · Scale 2, in force from 26 Feb 2026)