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$27,077
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,919
−HK$856/mo
Today · 4.125%
HK$28,775
baseline
▲ 0.50% · 4.625%
HK$30,526
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,550/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,123
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,931
−HK$820/mo
Today · 4.125%
HK$31,751
baseline
▲ 0.50% · 4.625%
HK$33,424
+HK$1,673/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,502/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,493
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,503
−HK$1,027/mo
Today · 4.125%
HK$34,530
baseline
▲ 0.50% · 4.625%
HK$36,631
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,060/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,148
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,117
−HK$984/mo
Today · 4.125%
HK$38,101
baseline
▲ 0.50% · 4.625%
HK$40,109
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,202/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,908
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,087
−HK$1,198/mo
Today · 4.125%
HK$40,285
baseline
▲ 0.50% · 4.625%
HK$42,737
+HK$2,452/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,570/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,172
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,303
−HK$1,148/mo
Today · 4.125%
HK$44,451
baseline
▲ 0.50% · 4.625%
HK$46,794
+HK$2,343/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,902/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,739
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,255
−HK$1,540/mo
Today · 4.125%
HK$51,795
baseline
▲ 0.50% · 4.625%
HK$54,947
+HK$3,152/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,590/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,222
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,676
−HK$1,475/mo
Today · 4.125%
HK$57,151
baseline
▲ 0.50% · 4.625%
HK$60,164
+HK$3,013/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,302/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,300 · Scale 2, in force from 26 Feb 2026)