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$27,097
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,940
−HK$856/mo
Today · 4.125%
HK$28,796
baseline
▲ 0.50% · 4.625%
HK$30,548
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,592/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,145
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,954
−HK$820/mo
Today · 4.125%
HK$31,774
baseline
▲ 0.50% · 4.625%
HK$33,449
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,548/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,516
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,528
−HK$1,028/mo
Today · 4.125%
HK$34,556
baseline
▲ 0.50% · 4.625%
HK$36,658
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,112/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,174
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,144
−HK$985/mo
Today · 4.125%
HK$38,129
baseline
▲ 0.50% · 4.625%
HK$40,138
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,258/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,936
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,116
−HK$1,199/mo
Today · 4.125%
HK$40,315
baseline
▲ 0.50% · 4.625%
HK$42,768
+HK$2,453/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,630/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,203
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,335
−HK$1,148/mo
Today · 4.125%
HK$44,483
baseline
▲ 0.50% · 4.625%
HK$46,828
+HK$2,345/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,966/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,775
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,292
−HK$1,541/mo
Today · 4.125%
HK$51,833
baseline
▲ 0.50% · 4.625%
HK$54,987
+HK$3,154/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,666/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,261
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,717
−HK$1,476/mo
Today · 4.125%
HK$57,193
baseline
▲ 0.50% · 4.625%
HK$60,208
+HK$3,015/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,386/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,625 · Scale 2, in force from 26 Feb 2026)