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$27,058
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,900
−HK$855/mo
Today · 4.125%
HK$28,755
baseline
▲ 0.50% · 4.625%
HK$30,505
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,510/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,102
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,909
−HK$819/mo
Today · 4.125%
HK$31,728
baseline
▲ 0.50% · 4.625%
HK$33,401
+HK$1,673/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,456/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,470
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,480
−HK$1,026/mo
Today · 4.125%
HK$34,506
baseline
▲ 0.50% · 4.625%
HK$36,606
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,012/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,122
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,091
−HK$983/mo
Today · 4.125%
HK$38,074
baseline
▲ 0.50% · 4.625%
HK$40,081
+HK$2,007/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,148/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,882
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,060
−HK$1,197/mo
Today · 4.125%
HK$40,257
baseline
▲ 0.50% · 4.625%
HK$42,707
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,514/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,143
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,273
−HK$1,147/mo
Today · 4.125%
HK$44,420
baseline
▲ 0.50% · 4.625%
HK$46,761
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,840/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,705
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,220
−HK$1,539/mo
Today · 4.125%
HK$51,759
baseline
▲ 0.50% · 4.625%
HK$54,909
+HK$3,150/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,518/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,184
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,637
−HK$1,474/mo
Today · 4.125%
HK$57,111
baseline
▲ 0.50% · 4.625%
HK$60,121
+HK$3,010/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,222/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,988 · Scale 2, in force from 26 Feb 2026)