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$27,091
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,933
−HK$857/mo
Today · 4.125%
HK$28,790
baseline
▲ 0.50% · 4.625%
HK$30,541
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,580/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,138
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,946
−HK$820/mo
Today · 4.125%
HK$31,766
baseline
▲ 0.50% · 4.625%
HK$33,441
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,532/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,509
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,520
−HK$1,027/mo
Today · 4.125%
HK$34,547
baseline
▲ 0.50% · 4.625%
HK$36,650
+HK$2,103/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,094/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,166
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,136
−HK$984/mo
Today · 4.125%
HK$38,120
baseline
▲ 0.50% · 4.625%
HK$40,129
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,240/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,927
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,107
−HK$1,198/mo
Today · 4.125%
HK$40,305
baseline
▲ 0.50% · 4.625%
HK$42,758
+HK$2,453/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,610/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,193
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,325
−HK$1,148/mo
Today · 4.125%
HK$44,473
baseline
▲ 0.50% · 4.625%
HK$46,817
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,946/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,763
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,280
−HK$1,541/mo
Today · 4.125%
HK$51,821
baseline
▲ 0.50% · 4.625%
HK$54,974
+HK$3,153/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,642/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,249
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,704
−HK$1,476/mo
Today · 4.125%
HK$57,180
baseline
▲ 0.50% · 4.625%
HK$60,194
+HK$3,014/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,360/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,522 · Scale 2, in force from 26 Feb 2026)