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$27,050
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,892
−HK$854/mo
Today · 4.125%
HK$28,746
baseline
▲ 0.50% · 4.625%
HK$30,496
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,492/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,093
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,900
−HK$819/mo
Today · 4.125%
HK$31,719
baseline
▲ 0.50% · 4.625%
HK$33,391
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,438/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,460
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,470
−HK$1,026/mo
Today · 4.125%
HK$34,496
baseline
▲ 0.50% · 4.625%
HK$36,595
+HK$2,099/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$68,992/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,112
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,080
−HK$983/mo
Today · 4.125%
HK$38,063
baseline
▲ 0.50% · 4.625%
HK$40,069
+HK$2,006/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,126/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,870
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,048
−HK$1,197/mo
Today · 4.125%
HK$40,245
baseline
▲ 0.50% · 4.625%
HK$42,694
+HK$2,449/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$80,490/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,130
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,260
−HK$1,146/mo
Today · 4.125%
HK$44,406
baseline
▲ 0.50% · 4.625%
HK$46,747
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.30M · min. income ≈ HK$88,812/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,690
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,205
−HK$1,539/mo
Today · 4.125%
HK$51,744
baseline
▲ 0.50% · 4.625%
HK$54,892
+HK$3,148/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,488/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,167
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,620
−HK$1,474/mo
Today · 4.125%
HK$57,094
baseline
▲ 0.50% · 4.625%
HK$60,103
+HK$3,009/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,188/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,854 · Scale 2, in force from 26 Feb 2026)