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$27,099
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,941
−HK$857/mo
Today · 4.125%
HK$28,798
baseline
▲ 0.50% · 4.625%
HK$30,550
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,596/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,147
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,955
−HK$821/mo
Today · 4.125%
HK$31,776
baseline
▲ 0.50% · 4.625%
HK$33,451
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,552/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,518
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,530
−HK$1,027/mo
Today · 4.125%
HK$34,557
baseline
▲ 0.50% · 4.625%
HK$36,660
+HK$2,103/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,114/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,176
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,146
−HK$985/mo
Today · 4.125%
HK$38,131
baseline
▲ 0.50% · 4.625%
HK$40,141
+HK$2,010/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,262/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,938
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,118
−HK$1,199/mo
Today · 4.125%
HK$40,317
baseline
▲ 0.50% · 4.625%
HK$42,770
+HK$2,453/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,634/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,206
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,338
−HK$1,148/mo
Today · 4.125%
HK$44,486
baseline
▲ 0.50% · 4.625%
HK$46,831
+HK$2,345/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$88,972/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,777
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,295
−HK$1,541/mo
Today · 4.125%
HK$51,836
baseline
▲ 0.50% · 4.625%
HK$54,990
+HK$3,154/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,672/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,264
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,720
−HK$1,476/mo
Today · 4.125%
HK$57,196
baseline
▲ 0.50% · 4.625%
HK$60,211
+HK$3,015/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,392/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,650 · Scale 2, in force from 26 Feb 2026)