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$27,088
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,930
−HK$856/mo
Today · 4.125%
HK$28,786
baseline
▲ 0.50% · 4.625%
HK$30,538
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,572/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,135
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,943
−HK$820/mo
Today · 4.125%
HK$31,763
baseline
▲ 0.50% · 4.625%
HK$33,437
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,526/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,505
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,516
−HK$1,027/mo
Today · 4.125%
HK$34,543
baseline
▲ 0.50% · 4.625%
HK$36,645
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,086/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,162
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,131
−HK$984/mo
Today · 4.125%
HK$38,115
baseline
▲ 0.50% · 4.625%
HK$40,124
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,230/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,923
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,102
−HK$1,199/mo
Today · 4.125%
HK$40,301
baseline
▲ 0.50% · 4.625%
HK$42,753
+HK$2,452/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,602/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,189
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,320
−HK$1,148/mo
Today · 4.125%
HK$44,468
baseline
▲ 0.50% · 4.625%
HK$46,812
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,936/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,758
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,274
−HK$1,541/mo
Today · 4.125%
HK$51,815
baseline
▲ 0.50% · 4.625%
HK$54,968
+HK$3,153/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,630/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,242
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,697
−HK$1,476/mo
Today · 4.125%
HK$57,173
baseline
▲ 0.50% · 4.625%
HK$60,187
+HK$3,014/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,346/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,470 · Scale 2, in force from 26 Feb 2026)