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$30,524
+HK$1,751/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$445,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,121
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,929
−HK$819/mo
Today · 4.125%
HK$31,748
baseline
▲ 0.50% · 4.625%
HK$33,422
+HK$1,674/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$445,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,490
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,501
−HK$1,027/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$445,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,145
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,114
−HK$984/mo
Today · 4.125%
HK$38,098
baseline
▲ 0.50% · 4.625%
HK$40,106
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,196/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,267 · 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$445,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,169
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,300
−HK$1,148/mo
Today · 4.125%
HK$44,448
baseline
▲ 0.50% · 4.625%
HK$46,790
+HK$2,342/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$445,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,735
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,251
−HK$1,541/mo
Today · 4.125%
HK$51,792
baseline
▲ 0.50% · 4.625%
HK$54,943
+HK$3,151/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,584/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,218
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,672
−HK$1,475/mo
Today · 4.125%
HK$57,147
baseline
▲ 0.50% · 4.625%
HK$60,159
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,294/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,267 · Scale 2, in force from 26 Feb 2026)