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$27,074
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,916
−HK$856/mo
Today · 4.125%
HK$28,772
baseline
▲ 0.50% · 4.625%
HK$30,523
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,544/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,120
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,928
−HK$819/mo
Today · 4.125%
HK$31,747
baseline
▲ 0.50% · 4.625%
HK$33,421
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,494/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,489
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,500
−HK$1,026/mo
Today · 4.125%
HK$34,526
baseline
▲ 0.50% · 4.625%
HK$36,627
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,052/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,144
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,113
−HK$984/mo
Today · 4.125%
HK$38,097
baseline
▲ 0.50% · 4.625%
HK$40,105
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,194/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,904
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,083
−HK$1,198/mo
Today · 4.125%
HK$40,281
baseline
▲ 0.50% · 4.625%
HK$42,732
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,562/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,168
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,299
−HK$1,147/mo
Today · 4.125%
HK$44,446
baseline
▲ 0.50% · 4.625%
HK$46,789
+HK$2,343/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,892/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,734
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,250
−HK$1,540/mo
Today · 4.125%
HK$51,790
baseline
▲ 0.50% · 4.625%
HK$54,941
+HK$3,151/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,580/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,216
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,670
−HK$1,475/mo
Today · 4.125%
HK$57,145
baseline
▲ 0.50% · 4.625%
HK$60,157
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,290/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,250 · Scale 2, in force from 26 Feb 2026)