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$27,103
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,946
−HK$856/mo
Today · 4.125%
HK$28,802
baseline
▲ 0.50% · 4.625%
HK$30,555
+HK$1,753/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,604/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,151
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,960
−HK$820/mo
Today · 4.125%
HK$31,780
baseline
▲ 0.50% · 4.625%
HK$33,456
+HK$1,676/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,560/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,523
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,535
−HK$1,028/mo
Today · 4.125%
HK$34,563
baseline
▲ 0.50% · 4.625%
HK$36,666
+HK$2,103/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,126/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,182
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,152
−HK$985/mo
Today · 4.125%
HK$38,137
baseline
▲ 0.50% · 4.625%
HK$40,147
+HK$2,010/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,274/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,944
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,124
−HK$1,199/mo
Today · 4.125%
HK$40,323
baseline
▲ 0.50% · 4.625%
HK$42,777
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,646/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,212
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,344
−HK$1,149/mo
Today · 4.125%
HK$44,493
baseline
▲ 0.50% · 4.625%
HK$46,838
+HK$2,345/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$88,986/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,785
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,302
−HK$1,542/mo
Today · 4.125%
HK$51,844
baseline
▲ 0.50% · 4.625%
HK$54,999
+HK$3,155/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,688/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,273
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,728
−HK$1,477/mo
Today · 4.125%
HK$57,205
baseline
▲ 0.50% · 4.625%
HK$60,220
+HK$3,015/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,410/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,718 · Scale 2, in force from 26 Feb 2026)