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$27,095
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,938
−HK$856/mo
Today · 4.125%
HK$28,794
baseline
▲ 0.50% · 4.625%
HK$30,546
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,588/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,143
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,951
−HK$820/mo
Today · 4.125%
HK$31,771
baseline
▲ 0.50% · 4.625%
HK$33,446
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,542/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,514
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,525
−HK$1,028/mo
Today · 4.125%
HK$34,553
baseline
▲ 0.50% · 4.625%
HK$36,655
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,106/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,171
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,141
−HK$985/mo
Today · 4.125%
HK$38,126
baseline
▲ 0.50% · 4.625%
HK$40,135
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,252/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,933
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,113
−HK$1,198/mo
Today · 4.125%
HK$40,311
baseline
▲ 0.50% · 4.625%
HK$42,764
+HK$2,453/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$80,622/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,200
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,332
−HK$1,148/mo
Today · 4.125%
HK$44,480
baseline
▲ 0.50% · 4.625%
HK$46,824
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.32M · min. income ≈ HK$88,960/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,771
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,288
−HK$1,541/mo
Today · 4.125%
HK$51,829
baseline
▲ 0.50% · 4.625%
HK$54,983
+HK$3,154/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,658/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,257
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,712
−HK$1,476/mo
Today · 4.125%
HK$57,188
baseline
▲ 0.50% · 4.625%
HK$60,203
+HK$3,015/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,376/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,589 · Scale 2, in force from 26 Feb 2026)