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$27,065
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,907
−HK$856/mo
Today · 4.125%
HK$28,763
baseline
▲ 0.50% · 4.625%
HK$30,513
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,526/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,110
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,917
−HK$820/mo
Today · 4.125%
HK$31,737
baseline
▲ 0.50% · 4.625%
HK$33,410
+HK$1,673/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,474/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,478
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,489
−HK$1,026/mo
Today · 4.125%
HK$34,515
baseline
▲ 0.50% · 4.625%
HK$36,615
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,030/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,132
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,101
−HK$983/mo
Today · 4.125%
HK$38,084
baseline
▲ 0.50% · 4.625%
HK$40,091
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,168/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,892
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,070
−HK$1,198/mo
Today · 4.125%
HK$40,268
baseline
▲ 0.50% · 4.625%
HK$42,718
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,536/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,154
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,284
−HK$1,147/mo
Today · 4.125%
HK$44,431
baseline
▲ 0.50% · 4.625%
HK$46,773
+HK$2,342/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,862/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,718
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,233
−HK$1,540/mo
Today · 4.125%
HK$51,773
baseline
▲ 0.50% · 4.625%
HK$54,923
+HK$3,150/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,546/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,198
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,651
−HK$1,475/mo
Today · 4.125%
HK$57,126
baseline
▲ 0.50% · 4.625%
HK$60,137
+HK$3,011/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,252/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,104 · Scale 2, in force from 26 Feb 2026)