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$27,073
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,915
−HK$855/mo
Today · 4.125%
HK$28,770
baseline
▲ 0.50% · 4.625%
HK$30,521
+HK$1,751/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,540/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,118
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,926
−HK$819/mo
Today · 4.125%
HK$31,745
baseline
▲ 0.50% · 4.625%
HK$33,418
+HK$1,673/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,490/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,487
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,498
−HK$1,026/mo
Today · 4.125%
HK$34,524
baseline
▲ 0.50% · 4.625%
HK$36,625
+HK$2,101/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$69,048/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,141
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,111
−HK$983/mo
Today · 4.125%
HK$38,094
baseline
▲ 0.50% · 4.625%
HK$40,102
+HK$2,008/mo
Deposit HK$4.75M · loan HK$7.12M · min. income ≈ HK$76,188/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$445,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,902
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,080
−HK$1,198/mo
Today · 4.125%
HK$40,278
baseline
▲ 0.50% · 4.625%
HK$42,729
+HK$2,451/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,556/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,165
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,296
−HK$1,147/mo
Today · 4.125%
HK$44,443
baseline
▲ 0.50% · 4.625%
HK$46,786
+HK$2,343/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,886/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,731
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,246
−HK$1,540/mo
Today · 4.125%
HK$51,786
baseline
▲ 0.50% · 4.625%
HK$54,937
+HK$3,151/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,572/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,212
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,666
−HK$1,475/mo
Today · 4.125%
HK$57,141
baseline
▲ 0.50% · 4.625%
HK$60,153
+HK$3,012/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,282/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,222 · Scale 2, in force from 26 Feb 2026)