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$27,087
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,929
−HK$856/mo
Today · 4.125%
HK$28,785
baseline
▲ 0.50% · 4.625%
HK$30,537
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,570/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,134
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,942
−HK$820/mo
Today · 4.125%
HK$31,762
baseline
▲ 0.50% · 4.625%
HK$33,436
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,524/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,504
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,515
−HK$1,027/mo
Today · 4.125%
HK$34,542
baseline
▲ 0.50% · 4.625%
HK$36,644
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,084/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,160
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,130
−HK$984/mo
Today · 4.125%
HK$38,114
baseline
▲ 0.50% · 4.625%
HK$40,123
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,228/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,921
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,101
−HK$1,198/mo
Today · 4.125%
HK$40,299
baseline
▲ 0.50% · 4.625%
HK$42,751
+HK$2,452/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,598/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,187
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,318
−HK$1,148/mo
Today · 4.125%
HK$44,466
baseline
▲ 0.50% · 4.625%
HK$46,810
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,932/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,756
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,272
−HK$1,541/mo
Today · 4.125%
HK$51,813
baseline
▲ 0.50% · 4.625%
HK$54,966
+HK$3,153/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,626/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,240
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,695
−HK$1,476/mo
Today · 4.125%
HK$57,171
baseline
▲ 0.50% · 4.625%
HK$60,184
+HK$3,013/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,342/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,454 · Scale 2, in force from 26 Feb 2026)