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$27,105
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,948
−HK$857/mo
Today · 4.125%
HK$28,805
baseline
▲ 0.50% · 4.625%
HK$30,558
+HK$1,753/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,610/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,154
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,963
−HK$821/mo
Today · 4.125%
HK$31,784
baseline
▲ 0.50% · 4.625%
HK$33,459
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,568/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,526
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,538
−HK$1,028/mo
Today · 4.125%
HK$34,566
baseline
▲ 0.50% · 4.625%
HK$36,669
+HK$2,103/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,132/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,185
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,156
−HK$984/mo
Today · 4.125%
HK$38,140
baseline
▲ 0.50% · 4.625%
HK$40,151
+HK$2,011/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,280/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,947
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,128
−HK$1,199/mo
Today · 4.125%
HK$40,327
baseline
▲ 0.50% · 4.625%
HK$42,781
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,654/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,216
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,348
−HK$1,149/mo
Today · 4.125%
HK$44,497
baseline
▲ 0.50% · 4.625%
HK$46,843
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$88,994/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,790
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,307
−HK$1,542/mo
Today · 4.125%
HK$51,849
baseline
▲ 0.50% · 4.625%
HK$55,004
+HK$3,155/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,698/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,278
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,734
−HK$1,476/mo
Today · 4.125%
HK$57,210
baseline
▲ 0.50% · 4.625%
HK$60,226
+HK$3,016/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,420/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,762 · Scale 2, in force from 26 Feb 2026)