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$27,093
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,935
−HK$857/mo
Today · 4.125%
HK$28,792
baseline
▲ 0.50% · 4.625%
HK$30,544
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,584/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,140
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,949
−HK$820/mo
Today · 4.125%
HK$31,769
baseline
▲ 0.50% · 4.625%
HK$33,443
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,538/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,511
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,523
−HK$1,027/mo
Today · 4.125%
HK$34,550
baseline
▲ 0.50% · 4.625%
HK$36,652
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,100/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,168
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,138
−HK$985/mo
Today · 4.125%
HK$38,123
baseline
▲ 0.50% · 4.625%
HK$40,132
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,246/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,930
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,110
−HK$1,198/mo
Today · 4.125%
HK$40,308
baseline
▲ 0.50% · 4.625%
HK$42,761
+HK$2,453/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,616/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,197
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,328
−HK$1,148/mo
Today · 4.125%
HK$44,476
baseline
▲ 0.50% · 4.625%
HK$46,821
+HK$2,345/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,952/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,767
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,284
−HK$1,541/mo
Today · 4.125%
HK$51,825
baseline
▲ 0.50% · 4.625%
HK$54,978
+HK$3,153/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,650/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,253
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,708
−HK$1,476/mo
Today · 4.125%
HK$57,184
baseline
▲ 0.50% · 4.625%
HK$60,198
+HK$3,014/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,368/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,554 · Scale 2, in force from 26 Feb 2026)