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$27,107
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,950
−HK$857/mo
Today · 4.125%
HK$28,807
baseline
▲ 0.50% · 4.625%
HK$30,559
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,614/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,156
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,965
−HK$820/mo
Today · 4.125%
HK$31,785
baseline
▲ 0.50% · 4.625%
HK$33,461
+HK$1,676/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,570/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,528
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,540
−HK$1,028/mo
Today · 4.125%
HK$34,568
baseline
▲ 0.50% · 4.625%
HK$36,671
+HK$2,103/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,136/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,187
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,158
−HK$984/mo
Today · 4.125%
HK$38,142
baseline
▲ 0.50% · 4.625%
HK$40,153
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,284/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,949
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,130
−HK$1,199/mo
Today · 4.125%
HK$40,329
baseline
▲ 0.50% · 4.625%
HK$42,783
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,658/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,218
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,351
−HK$1,148/mo
Today · 4.125%
HK$44,499
baseline
▲ 0.50% · 4.625%
HK$46,845
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$88,998/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,792
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,310
−HK$1,542/mo
Today · 4.125%
HK$51,852
baseline
▲ 0.50% · 4.625%
HK$55,007
+HK$3,155/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,704/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,281
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,736
−HK$1,477/mo
Today · 4.125%
HK$57,213
baseline
▲ 0.50% · 4.625%
HK$60,229
+HK$3,016/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,426/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,784 · Scale 2, in force from 26 Feb 2026)