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$27,071
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,913
−HK$856/mo
Today · 4.125%
HK$28,769
baseline
▲ 0.50% · 4.625%
HK$30,519
+HK$1,750/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,538/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,116
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,924
−HK$820/mo
Today · 4.125%
HK$31,744
baseline
▲ 0.50% · 4.625%
HK$33,417
+HK$1,673/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,488/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,485
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,496
−HK$1,027/mo
Today · 4.125%
HK$34,523
baseline
▲ 0.50% · 4.625%
HK$36,623
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,046/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,140
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,109
−HK$983/mo
Today · 4.125%
HK$38,092
baseline
▲ 0.50% · 4.625%
HK$40,100
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,184/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,900
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,079
−HK$1,197/mo
Today · 4.125%
HK$40,276
baseline
▲ 0.50% · 4.625%
HK$42,727
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,552/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,163
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,294
−HK$1,147/mo
Today · 4.125%
HK$44,441
baseline
▲ 0.50% · 4.625%
HK$46,784
+HK$2,343/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,882/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,728
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,244
−HK$1,540/mo
Today · 4.125%
HK$51,784
baseline
▲ 0.50% · 4.625%
HK$54,935
+HK$3,151/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,568/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,210
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,664
−HK$1,474/mo
Today · 4.125%
HK$57,138
baseline
▲ 0.50% · 4.625%
HK$60,150
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,276/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,201 · Scale 2, in force from 26 Feb 2026)