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$27,115
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,959
−HK$857/mo
Today · 4.125%
HK$28,816
baseline
▲ 0.50% · 4.625%
HK$30,569
+HK$1,753/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,632/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,165
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,975
−HK$820/mo
Today · 4.125%
HK$31,795
baseline
▲ 0.50% · 4.625%
HK$33,471
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,590/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,538
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,550
−HK$1,029/mo
Today · 4.125%
HK$34,579
baseline
▲ 0.50% · 4.625%
HK$36,683
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,158/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,199
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,169
−HK$985/mo
Today · 4.125%
HK$38,154
baseline
▲ 0.50% · 4.625%
HK$40,165
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,308/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,961
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,142
−HK$1,200/mo
Today · 4.125%
HK$40,342
baseline
▲ 0.50% · 4.625%
HK$42,797
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,684/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,232
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,364
−HK$1,149/mo
Today · 4.125%
HK$44,513
baseline
▲ 0.50% · 4.625%
HK$46,860
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,026/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,808
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,326
−HK$1,542/mo
Today · 4.125%
HK$51,868
baseline
▲ 0.50% · 4.625%
HK$55,024
+HK$3,156/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,736/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,298
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,754
−HK$1,477/mo
Today · 4.125%
HK$57,231
baseline
▲ 0.50% · 4.625%
HK$60,248
+HK$3,017/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,462/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,925 · Scale 2, in force from 26 Feb 2026)