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$27,064
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,905
−HK$856/mo
Today · 4.125%
HK$28,761
baseline
▲ 0.50% · 4.625%
HK$30,511
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,522/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,108
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,916
−HK$819/mo
Today · 4.125%
HK$31,735
baseline
▲ 0.50% · 4.625%
HK$33,407
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,470/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,476
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,487
−HK$1,026/mo
Today · 4.125%
HK$34,513
baseline
▲ 0.50% · 4.625%
HK$36,613
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,026/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,130
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,099
−HK$983/mo
Today · 4.125%
HK$38,082
baseline
▲ 0.50% · 4.625%
HK$40,089
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,164/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,889
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,068
−HK$1,197/mo
Today · 4.125%
HK$40,265
baseline
▲ 0.50% · 4.625%
HK$42,715
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,530/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,151
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,282
−HK$1,147/mo
Today · 4.125%
HK$44,429
baseline
▲ 0.50% · 4.625%
HK$46,770
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,858/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,715
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,230
−HK$1,539/mo
Today · 4.125%
HK$51,769
baseline
▲ 0.50% · 4.625%
HK$54,919
+HK$3,150/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,538/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,194
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,648
−HK$1,474/mo
Today · 4.125%
HK$57,122
baseline
▲ 0.50% · 4.625%
HK$60,133
+HK$3,011/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,244/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,076 · Scale 2, in force from 26 Feb 2026)