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$27,067
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,909
−HK$855/mo
Today · 4.125%
HK$28,764
baseline
▲ 0.50% · 4.625%
HK$30,515
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,528/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,112
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,919
−HK$820/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$445,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,480
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$1,026/mo
Today · 4.125%
HK$34,517
baseline
▲ 0.50% · 4.625%
HK$36,618
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,034/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,134
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,103
−HK$983/mo
Today · 4.125%
HK$38,086
baseline
▲ 0.50% · 4.625%
HK$40,094
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,172/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,894
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,073
−HK$1,197/mo
Today · 4.125%
HK$40,270
baseline
▲ 0.50% · 4.625%
HK$42,721
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,540/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,157
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,287
−HK$1,147/mo
Today · 4.125%
HK$44,434
baseline
▲ 0.50% · 4.625%
HK$46,776
+HK$2,342/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,868/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,721
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,236
−HK$1,540/mo
Today · 4.125%
HK$51,776
baseline
▲ 0.50% · 4.625%
HK$54,926
+HK$3,150/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,552/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,201
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,655
−HK$1,475/mo
Today · 4.125%
HK$57,130
baseline
▲ 0.50% · 4.625%
HK$60,141
+HK$3,011/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,260/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,132 · Scale 2, in force from 26 Feb 2026)