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$27,075
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,917
−HK$856/mo
Today · 4.125%
HK$28,773
baseline
▲ 0.50% · 4.625%
HK$30,523
+HK$1,750/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,546/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,121
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,928
−HK$820/mo
Today · 4.125%
HK$31,748
baseline
▲ 0.50% · 4.625%
HK$33,421
+HK$1,673/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,496/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,490
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,500
−HK$1,027/mo
Today · 4.125%
HK$34,527
baseline
▲ 0.50% · 4.625%
HK$36,628
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,054/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,145
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,114
−HK$983/mo
Today · 4.125%
HK$38,097
baseline
▲ 0.50% · 4.625%
HK$40,106
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,194/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,905
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,084
−HK$1,198/mo
Today · 4.125%
HK$40,282
baseline
▲ 0.50% · 4.625%
HK$42,733
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,564/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,169
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,300
−HK$1,147/mo
Today · 4.125%
HK$44,447
baseline
▲ 0.50% · 4.625%
HK$46,790
+HK$2,343/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,894/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,735
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,251
−HK$1,540/mo
Today · 4.125%
HK$51,791
baseline
▲ 0.50% · 4.625%
HK$54,942
+HK$3,151/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,582/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,217
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,671
−HK$1,475/mo
Today · 4.125%
HK$57,146
baseline
▲ 0.50% · 4.625%
HK$60,158
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,292/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,261 · Scale 2, in force from 26 Feb 2026)