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$27,092
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,934
−HK$857/mo
Today · 4.125%
HK$28,791
baseline
▲ 0.50% · 4.625%
HK$30,542
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,582/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,139
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,948
−HK$820/mo
Today · 4.125%
HK$31,768
baseline
▲ 0.50% · 4.625%
HK$33,442
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,536/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,510
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,521
−HK$1,028/mo
Today · 4.125%
HK$34,549
baseline
▲ 0.50% · 4.625%
HK$36,651
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,098/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,167
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,137
−HK$984/mo
Today · 4.125%
HK$38,121
baseline
▲ 0.50% · 4.625%
HK$40,131
+HK$2,010/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,242/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,928
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,108
−HK$1,199/mo
Today · 4.125%
HK$40,307
baseline
▲ 0.50% · 4.625%
HK$42,759
+HK$2,452/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,614/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,195
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,327
−HK$1,148/mo
Today · 4.125%
HK$44,475
baseline
▲ 0.50% · 4.625%
HK$46,819
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,950/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,765
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,282
−HK$1,541/mo
Today · 4.125%
HK$51,823
baseline
▲ 0.50% · 4.625%
HK$54,976
+HK$3,153/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,646/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,251
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,706
−HK$1,476/mo
Today · 4.125%
HK$57,182
baseline
▲ 0.50% · 4.625%
HK$60,196
+HK$3,014/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,364/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,538 · Scale 2, in force from 26 Feb 2026)