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$27,067
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,909
−HK$856/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,515
+HK$1,750/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,112
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,920
−HK$819/mo
Today · 4.125%
HK$31,739
baseline
▲ 0.50% · 4.625%
HK$33,412
+HK$1,673/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,478/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,481
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$1,027/mo
Today · 4.125%
HK$34,518
baseline
▲ 0.50% · 4.625%
HK$36,618
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,036/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,135
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,104
−HK$983/mo
Today · 4.125%
HK$38,087
baseline
▲ 0.50% · 4.625%
HK$40,094
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,174/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,894
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,073
−HK$1,198/mo
Today · 4.125%
HK$40,271
baseline
▲ 0.50% · 4.625%
HK$42,721
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,542/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,157
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,288
−HK$1,147/mo
Today · 4.125%
HK$44,435
baseline
▲ 0.50% · 4.625%
HK$46,777
+HK$2,342/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,870/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,721
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,237
−HK$1,539/mo
Today · 4.125%
HK$51,776
baseline
▲ 0.50% · 4.625%
HK$54,927
+HK$3,151/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,552/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,202
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,655
−HK$1,475/mo
Today · 4.125%
HK$57,130
baseline
▲ 0.50% · 4.625%
HK$60,142
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,260/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,137 · Scale 2, in force from 26 Feb 2026)