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$1,699/mo
▼ 0.25% · 3.875%
HK$27,948
−HK$856/mo
Today · 4.125%
HK$28,804
baseline
▲ 0.50% · 4.625%
HK$30,557
+HK$1,753/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$445,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,154
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,962
−HK$821/mo
Today · 4.125%
HK$31,783
baseline
▲ 0.50% · 4.625%
HK$33,458
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,566/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,526
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,537
−HK$1,028/mo
Today · 4.125%
HK$34,565
baseline
▲ 0.50% · 4.625%
HK$36,668
+HK$2,103/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,130/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,184
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,155
−HK$984/mo
Today · 4.125%
HK$38,139
baseline
▲ 0.50% · 4.625%
HK$40,150
+HK$2,011/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,278/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,947
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,127
−HK$1,199/mo
Today · 4.125%
HK$40,326
baseline
▲ 0.50% · 4.625%
HK$42,780
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,652/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,215
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,347
−HK$1,149/mo
Today · 4.125%
HK$44,496
baseline
▲ 0.50% · 4.625%
HK$46,841
+HK$2,345/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$88,992/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,788
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,306
−HK$1,542/mo
Today · 4.125%
HK$51,848
baseline
▲ 0.50% · 4.625%
HK$55,003
+HK$3,155/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,696/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,277
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,732
−HK$1,477/mo
Today · 4.125%
HK$57,209
baseline
▲ 0.50% · 4.625%
HK$60,225
+HK$3,016/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,418/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,750 · Scale 2, in force from 26 Feb 2026)