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$27,057
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,898
−HK$855/mo
Today · 4.125%
HK$28,753
baseline
▲ 0.50% · 4.625%
HK$30,503
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,506/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,100
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,908
−HK$819/mo
Today · 4.125%
HK$31,727
baseline
▲ 0.50% · 4.625%
HK$33,399
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,454/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,468
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,478
−HK$1,026/mo
Today · 4.125%
HK$34,504
baseline
▲ 0.50% · 4.625%
HK$36,604
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,008/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,120
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,089
−HK$983/mo
Today · 4.125%
HK$38,072
baseline
▲ 0.50% · 4.625%
HK$40,079
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,144/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,879
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,058
−HK$1,197/mo
Today · 4.125%
HK$40,255
baseline
▲ 0.50% · 4.625%
HK$42,704
+HK$2,449/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,510/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,140
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,271
−HK$1,146/mo
Today · 4.125%
HK$44,417
baseline
▲ 0.50% · 4.625%
HK$46,758
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,834/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,702
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,217
−HK$1,539/mo
Today · 4.125%
HK$51,756
baseline
▲ 0.50% · 4.625%
HK$54,905
+HK$3,149/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,512/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,181
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,634
−HK$1,474/mo
Today · 4.125%
HK$57,108
baseline
▲ 0.50% · 4.625%
HK$60,118
+HK$3,010/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,216/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,962 · Scale 2, in force from 26 Feb 2026)