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$27,056
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,897
−HK$855/mo
Today · 4.125%
HK$28,752
baseline
▲ 0.50% · 4.625%
HK$30,502
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,504/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,099
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,906
−HK$819/mo
Today · 4.125%
HK$31,725
baseline
▲ 0.50% · 4.625%
HK$33,398
+HK$1,673/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,450/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,467
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,477
−HK$1,026/mo
Today · 4.125%
HK$34,503
baseline
▲ 0.50% · 4.625%
HK$36,602
+HK$2,099/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,006/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,119
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,088
−HK$983/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,077
+HK$2,006/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,878
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,056
−HK$1,197/mo
Today · 4.125%
HK$40,253
baseline
▲ 0.50% · 4.625%
HK$42,703
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,506/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,139
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,269
−HK$1,147/mo
Today · 4.125%
HK$44,416
baseline
▲ 0.50% · 4.625%
HK$46,757
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,832/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,700
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,215
−HK$1,539/mo
Today · 4.125%
HK$51,754
baseline
▲ 0.50% · 4.625%
HK$54,903
+HK$3,149/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,508/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,179
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,632
−HK$1,474/mo
Today · 4.125%
HK$57,106
baseline
▲ 0.50% · 4.625%
HK$60,116
+HK$3,010/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,212/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,946 · Scale 2, in force from 26 Feb 2026)