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$27,074
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,916
−HK$856/mo
Today · 4.125%
HK$28,772
baseline
▲ 0.50% · 4.625%
HK$30,523
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,544/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,120
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,927
−HK$820/mo
Today · 4.125%
HK$31,747
baseline
▲ 0.50% · 4.625%
HK$33,420
+HK$1,673/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,494/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,489
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,499
−HK$1,027/mo
Today · 4.125%
HK$34,526
baseline
▲ 0.50% · 4.625%
HK$36,627
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,052/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,144
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,113
−HK$983/mo
Today · 4.125%
HK$38,096
baseline
▲ 0.50% · 4.625%
HK$40,104
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,192/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,904
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,083
−HK$1,198/mo
Today · 4.125%
HK$40,281
baseline
▲ 0.50% · 4.625%
HK$42,732
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,562/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,167
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,298
−HK$1,148/mo
Today · 4.125%
HK$44,446
baseline
▲ 0.50% · 4.625%
HK$46,788
+HK$2,342/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,892/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,733
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,249
−HK$1,540/mo
Today · 4.125%
HK$51,789
baseline
▲ 0.50% · 4.625%
HK$54,941
+HK$3,152/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,578/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,215
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,669
−HK$1,475/mo
Today · 4.125%
HK$57,144
baseline
▲ 0.50% · 4.625%
HK$60,156
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,288/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,247 · Scale 2, in force from 26 Feb 2026)