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$27,054
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,896
−HK$855/mo
Today · 4.125%
HK$28,751
baseline
▲ 0.50% · 4.625%
HK$30,500
+HK$1,749/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,502/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,098
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,905
−HK$819/mo
Today · 4.125%
HK$31,724
baseline
▲ 0.50% · 4.625%
HK$33,396
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,448/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,465
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,475
−HK$1,026/mo
Today · 4.125%
HK$34,501
baseline
▲ 0.50% · 4.625%
HK$36,600
+HK$2,099/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,002/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,117
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,086
−HK$982/mo
Today · 4.125%
HK$38,068
baseline
▲ 0.50% · 4.625%
HK$40,075
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,136/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,876
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,054
−HK$1,197/mo
Today · 4.125%
HK$40,251
baseline
▲ 0.50% · 4.625%
HK$42,700
+HK$2,449/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,502/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,137
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,267
−HK$1,146/mo
Today · 4.125%
HK$44,413
baseline
▲ 0.50% · 4.625%
HK$46,754
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,826/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,698
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,212
−HK$1,539/mo
Today · 4.125%
HK$51,751
baseline
▲ 0.50% · 4.625%
HK$54,900
+HK$3,149/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,502/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,176
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,629
−HK$1,474/mo
Today · 4.125%
HK$57,103
baseline
▲ 0.50% · 4.625%
HK$60,113
+HK$3,010/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,206/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,922 · Scale 2, in force from 26 Feb 2026)