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$27,067
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,909
−HK$855/mo
Today · 4.125%
HK$28,764
baseline
▲ 0.50% · 4.625%
HK$30,514
+HK$1,750/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,528/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,112
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,919
−HK$819/mo
Today · 4.125%
HK$31,738
baseline
▲ 0.50% · 4.625%
HK$33,411
+HK$1,673/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,476/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,480
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,490
−HK$1,027/mo
Today · 4.125%
HK$34,517
baseline
▲ 0.50% · 4.625%
HK$36,617
+HK$2,100/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,034/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,134
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,103
−HK$983/mo
Today · 4.125%
HK$38,086
baseline
▲ 0.50% · 4.625%
HK$40,094
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,172/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,894
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,072
−HK$1,198/mo
Today · 4.125%
HK$40,270
baseline
▲ 0.50% · 4.625%
HK$42,720
+HK$2,450/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,540/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,156
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,287
−HK$1,147/mo
Today · 4.125%
HK$44,434
baseline
▲ 0.50% · 4.625%
HK$46,776
+HK$2,342/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,868/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,720
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,236
−HK$1,539/mo
Today · 4.125%
HK$51,775
baseline
▲ 0.50% · 4.625%
HK$54,926
+HK$3,151/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$103,550/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,201
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,654
−HK$1,475/mo
Today · 4.125%
HK$57,129
baseline
▲ 0.50% · 4.625%
HK$60,140
+HK$3,011/mo
Deposit HK$1.19M · loan HK$10.68M · min. income ≈ HK$114,258/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,128 · Scale 2, in force from 26 Feb 2026)