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$27,068
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,910
−HK$855/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,515
+HK$1,750/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,113
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,920
−HK$819/mo
Today · 4.125%
HK$31,739
baseline
▲ 0.50% · 4.625%
HK$33,412
+HK$1,673/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,478/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,481
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,492
−HK$1,026/mo
Today · 4.125%
HK$34,518
baseline
▲ 0.50% · 4.625%
HK$36,618
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,036/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,135
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,104
−HK$983/mo
Today · 4.125%
HK$38,087
baseline
▲ 0.50% · 4.625%
HK$40,095
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,174/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,895
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,073
−HK$1,198/mo
Today · 4.125%
HK$40,271
baseline
▲ 0.50% · 4.625%
HK$42,721
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,542/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,158
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,288
−HK$1,147/mo
Today · 4.125%
HK$44,435
baseline
▲ 0.50% · 4.625%
HK$46,777
+HK$2,342/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,870/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,722
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,237
−HK$1,540/mo
Today · 4.125%
HK$51,777
baseline
▲ 0.50% · 4.625%
HK$54,928
+HK$3,151/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,554/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,203
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,656
−HK$1,475/mo
Today · 4.125%
HK$57,131
baseline
▲ 0.50% · 4.625%
HK$60,142
+HK$3,011/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,262/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,142 · Scale 2, in force from 26 Feb 2026)