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$27,070
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,912
−HK$856/mo
Today · 4.125%
HK$28,768
baseline
▲ 0.50% · 4.625%
HK$30,518
+HK$1,750/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,536/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,115
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,923
−HK$819/mo
Today · 4.125%
HK$31,742
baseline
▲ 0.50% · 4.625%
HK$33,416
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,484/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,484
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,495
−HK$1,026/mo
Today · 4.125%
HK$34,521
baseline
▲ 0.50% · 4.625%
HK$36,622
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,042/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,138
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,108
−HK$983/mo
Today · 4.125%
HK$38,091
baseline
▲ 0.50% · 4.625%
HK$40,099
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,182/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,898
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,077
−HK$1,198/mo
Today · 4.125%
HK$40,275
baseline
▲ 0.50% · 4.625%
HK$42,726
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,550/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,162
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,292
−HK$1,147/mo
Today · 4.125%
HK$44,439
baseline
▲ 0.50% · 4.625%
HK$46,782
+HK$2,343/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,878/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,727
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,242
−HK$1,540/mo
Today · 4.125%
HK$51,782
baseline
▲ 0.50% · 4.625%
HK$54,933
+HK$3,151/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,564/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,208
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,662
−HK$1,474/mo
Today · 4.125%
HK$57,136
baseline
▲ 0.50% · 4.625%
HK$60,148
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,272/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,185 · Scale 2, in force from 26 Feb 2026)