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$27,110
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,953
−HK$857/mo
Today · 4.125%
HK$28,810
baseline
▲ 0.50% · 4.625%
HK$30,563
+HK$1,753/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,620/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,159
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,968
−HK$820/mo
Today · 4.125%
HK$31,788
baseline
▲ 0.50% · 4.625%
HK$33,464
+HK$1,676/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,576/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,531
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,543
−HK$1,028/mo
Today · 4.125%
HK$34,571
baseline
▲ 0.50% · 4.625%
HK$36,675
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,142/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,191
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,161
−HK$985/mo
Today · 4.125%
HK$38,146
baseline
▲ 0.50% · 4.625%
HK$40,157
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,292/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,953
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,134
−HK$1,199/mo
Today · 4.125%
HK$40,333
baseline
▲ 0.50% · 4.625%
HK$42,788
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,666/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,223
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,355
−HK$1,149/mo
Today · 4.125%
HK$44,504
baseline
▲ 0.50% · 4.625%
HK$46,850
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,008/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,797
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,315
−HK$1,542/mo
Today · 4.125%
HK$51,857
baseline
▲ 0.50% · 4.625%
HK$55,013
+HK$3,156/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,714/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,286
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,742
−HK$1,477/mo
Today · 4.125%
HK$57,219
baseline
▲ 0.50% · 4.625%
HK$60,235
+HK$3,016/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,438/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,830 · Scale 2, in force from 26 Feb 2026)