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$27,060
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,902
−HK$855/mo
Today · 4.125%
HK$28,757
baseline
▲ 0.50% · 4.625%
HK$30,507
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,514/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,104
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,912
−HK$819/mo
Today · 4.125%
HK$31,731
baseline
▲ 0.50% · 4.625%
HK$33,403
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,462/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,472
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,482
−HK$1,026/mo
Today · 4.125%
HK$34,508
baseline
▲ 0.50% · 4.625%
HK$36,608
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,016/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,125
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,094
−HK$983/mo
Today · 4.125%
HK$38,077
baseline
▲ 0.50% · 4.625%
HK$40,084
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,154/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,884
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,063
−HK$1,197/mo
Today · 4.125%
HK$40,260
baseline
▲ 0.50% · 4.625%
HK$42,710
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,520/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,146
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,276
−HK$1,147/mo
Today · 4.125%
HK$44,423
baseline
▲ 0.50% · 4.625%
HK$46,764
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,846/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,708
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,223
−HK$1,540/mo
Today · 4.125%
HK$51,763
baseline
▲ 0.50% · 4.625%
HK$54,912
+HK$3,149/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,526/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,187
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,641
−HK$1,474/mo
Today · 4.125%
HK$57,115
baseline
▲ 0.50% · 4.625%
HK$60,126
+HK$3,011/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,230/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,019 · Scale 2, in force from 26 Feb 2026)