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$27,100
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,943
−HK$857/mo
Today · 4.125%
HK$28,800
baseline
▲ 0.50% · 4.625%
HK$30,552
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,600/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,149
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,957
−HK$820/mo
Today · 4.125%
HK$31,777
baseline
▲ 0.50% · 4.625%
HK$33,452
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,554/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,520
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,532
−HK$1,027/mo
Today · 4.125%
HK$34,559
baseline
▲ 0.50% · 4.625%
HK$36,662
+HK$2,103/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,118/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,178
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,149
−HK$984/mo
Today · 4.125%
HK$38,133
baseline
▲ 0.50% · 4.625%
HK$40,143
+HK$2,010/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,266/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,940
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,120
−HK$1,199/mo
Today · 4.125%
HK$40,319
baseline
▲ 0.50% · 4.625%
HK$42,773
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,638/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,208
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,340
−HK$1,148/mo
Today · 4.125%
HK$44,488
baseline
▲ 0.50% · 4.625%
HK$46,833
+HK$2,345/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$88,976/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,780
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,298
−HK$1,541/mo
Today · 4.125%
HK$51,839
baseline
▲ 0.50% · 4.625%
HK$54,993
+HK$3,154/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,678/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,267
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,723
−HK$1,476/mo
Today · 4.125%
HK$57,199
baseline
▲ 0.50% · 4.625%
HK$60,214
+HK$3,015/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,398/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,676 · Scale 2, in force from 26 Feb 2026)