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$27,104
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,947
−HK$857/mo
Today · 4.125%
HK$28,804
baseline
▲ 0.50% · 4.625%
HK$30,556
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,608/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,153
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,961
−HK$821/mo
Today · 4.125%
HK$31,782
baseline
▲ 0.50% · 4.625%
HK$33,457
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,564/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,525
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,536
−HK$1,028/mo
Today · 4.125%
HK$34,564
baseline
▲ 0.50% · 4.625%
HK$36,667
+HK$2,103/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,128/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,183
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,154
−HK$984/mo
Today · 4.125%
HK$38,138
baseline
▲ 0.50% · 4.625%
HK$40,149
+HK$2,011/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,276/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,945
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,126
−HK$1,199/mo
Today · 4.125%
HK$40,325
baseline
▲ 0.50% · 4.625%
HK$42,779
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,650/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,214
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,346
−HK$1,149/mo
Today · 4.125%
HK$44,495
baseline
▲ 0.50% · 4.625%
HK$46,840
+HK$2,345/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$88,990/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,787
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,305
−HK$1,541/mo
Today · 4.125%
HK$51,846
baseline
▲ 0.50% · 4.625%
HK$55,001
+HK$3,155/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,692/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,275
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,731
−HK$1,476/mo
Today · 4.125%
HK$57,207
baseline
▲ 0.50% · 4.625%
HK$60,223
+HK$3,016/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,414/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,738 · Scale 2, in force from 26 Feb 2026)