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$27,054
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,895
−HK$855/mo
Today · 4.125%
HK$28,750
baseline
▲ 0.50% · 4.625%
HK$30,500
+HK$1,750/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$57,500/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,097
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,904
−HK$819/mo
Today · 4.125%
HK$31,723
baseline
▲ 0.50% · 4.625%
HK$33,395
+HK$1,672/mo
Deposit HK$5.93M · loan HK$5.93M · min. income ≈ HK$63,446/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$444,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,465
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,474
−HK$1,026/mo
Today · 4.125%
HK$34,500
baseline
▲ 0.50% · 4.625%
HK$36,600
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,000/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,116
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,085
−HK$983/mo
Today · 4.125%
HK$38,068
baseline
▲ 0.50% · 4.625%
HK$40,074
+HK$2,006/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,136/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$444,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,875
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,053
−HK$1,197/mo
Today · 4.125%
HK$40,250
baseline
▲ 0.50% · 4.625%
HK$42,700
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,500/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,136
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,266
−HK$1,146/mo
Today · 4.125%
HK$44,412
baseline
▲ 0.50% · 4.625%
HK$46,753
+HK$2,341/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,824/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,697
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,212
−HK$1,538/mo
Today · 4.125%
HK$51,750
baseline
▲ 0.50% · 4.625%
HK$54,899
+HK$3,149/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,500/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,175
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,628
−HK$1,474/mo
Today · 4.125%
HK$57,102
baseline
▲ 0.50% · 4.625%
HK$60,111
+HK$3,009/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,204/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,914 · Scale 2, in force from 26 Feb 2026)