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$27,114
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,957
−HK$857/mo
Today · 4.125%
HK$28,814
baseline
▲ 0.50% · 4.625%
HK$30,567
+HK$1,753/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,628/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,164
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$821/mo
Today · 4.125%
HK$31,794
baseline
▲ 0.50% · 4.625%
HK$33,469
+HK$1,675/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,588/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,537
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,549
−HK$1,028/mo
Today · 4.125%
HK$34,577
baseline
▲ 0.50% · 4.625%
HK$36,681
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,154/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,197
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,167
−HK$985/mo
Today · 4.125%
HK$38,152
baseline
▲ 0.50% · 4.625%
HK$40,163
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,304/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,959
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,140
−HK$1,200/mo
Today · 4.125%
HK$40,340
baseline
▲ 0.50% · 4.625%
HK$42,794
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,680/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,230
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,362
−HK$1,149/mo
Today · 4.125%
HK$44,511
baseline
▲ 0.50% · 4.625%
HK$46,857
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,022/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,805
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,323
−HK$1,543/mo
Today · 4.125%
HK$51,866
baseline
▲ 0.50% · 4.625%
HK$55,021
+HK$3,155/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,732/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,295
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,751
−HK$1,477/mo
Today · 4.125%
HK$57,228
baseline
▲ 0.50% · 4.625%
HK$60,245
+HK$3,017/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,456/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,902 · Scale 2, in force from 26 Feb 2026)