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$27,126
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,970
−HK$857/mo
Today · 4.125%
HK$28,827
baseline
▲ 0.50% · 4.625%
HK$30,581
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,654/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,177
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,987
−HK$821/mo
Today · 4.125%
HK$31,808
baseline
▲ 0.50% · 4.625%
HK$33,484
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,616/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,551
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,564
−HK$1,028/mo
Today · 4.125%
HK$34,592
baseline
▲ 0.50% · 4.625%
HK$36,697
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,184/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,213
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,184
−HK$985/mo
Today · 4.125%
HK$38,169
baseline
▲ 0.50% · 4.625%
HK$40,181
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,338/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,976
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,158
−HK$1,200/mo
Today · 4.125%
HK$40,358
baseline
▲ 0.50% · 4.625%
HK$42,813
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,716/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,248
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,381
−HK$1,150/mo
Today · 4.125%
HK$44,531
baseline
▲ 0.50% · 4.625%
HK$46,878
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,062/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,827
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,345
−HK$1,543/mo
Today · 4.125%
HK$51,888
baseline
▲ 0.50% · 4.625%
HK$55,046
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,776/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,319
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,776
−HK$1,478/mo
Today · 4.125%
HK$57,254
baseline
▲ 0.50% · 4.625%
HK$60,272
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,508/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,100 · Scale 2, in force from 26 Feb 2026)