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$27,127
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,971
−HK$857/mo
Today · 4.125%
HK$28,828
baseline
▲ 0.50% · 4.625%
HK$30,582
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,656/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,178
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,988
−HK$821/mo
Today · 4.125%
HK$31,809
baseline
▲ 0.50% · 4.625%
HK$33,486
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,618/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,552
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,565
−HK$1,029/mo
Today · 4.125%
HK$34,594
baseline
▲ 0.50% · 4.625%
HK$36,699
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,188/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,214
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,185
−HK$986/mo
Today · 4.125%
HK$38,171
baseline
▲ 0.50% · 4.625%
HK$40,183
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,342/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,978
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,159
−HK$1,200/mo
Today · 4.125%
HK$40,359
baseline
▲ 0.50% · 4.625%
HK$42,815
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,718/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,250
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,383
−HK$1,149/mo
Today · 4.125%
HK$44,532
baseline
▲ 0.50% · 4.625%
HK$46,880
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,064/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,829
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,347
−HK$1,543/mo
Today · 4.125%
HK$51,890
baseline
▲ 0.50% · 4.625%
HK$55,048
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,780/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,321
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,778
−HK$1,478/mo
Today · 4.125%
HK$57,256
baseline
▲ 0.50% · 4.625%
HK$60,274
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,512/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,117 · Scale 2, in force from 26 Feb 2026)