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$27,089
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,931
−HK$856/mo
Today · 4.125%
HK$28,787
baseline
▲ 0.50% · 4.625%
HK$30,539
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,574/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,136
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,944
−HK$820/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,438
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,506
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,517
−HK$1,028/mo
Today · 4.125%
HK$34,545
baseline
▲ 0.50% · 4.625%
HK$36,647
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,090/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,163
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,133
−HK$984/mo
Today · 4.125%
HK$38,117
baseline
▲ 0.50% · 4.625%
HK$40,126
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,234/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,924
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,104
−HK$1,198/mo
Today · 4.125%
HK$40,302
baseline
▲ 0.50% · 4.625%
HK$42,754
+HK$2,452/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,604/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,190
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,322
−HK$1,147/mo
Today · 4.125%
HK$44,469
baseline
▲ 0.50% · 4.625%
HK$46,813
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,938/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,759
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,276
−HK$1,541/mo
Today · 4.125%
HK$51,817
baseline
▲ 0.50% · 4.625%
HK$54,970
+HK$3,153/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,634/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,244
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,699
−HK$1,476/mo
Today · 4.125%
HK$57,175
baseline
▲ 0.50% · 4.625%
HK$60,189
+HK$3,014/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,350/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,486 · Scale 2, in force from 26 Feb 2026)