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$27,124
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,968
−HK$857/mo
Today · 4.125%
HK$28,825
baseline
▲ 0.50% · 4.625%
HK$30,579
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,650/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,175
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,985
−HK$821/mo
Today · 4.125%
HK$31,806
baseline
▲ 0.50% · 4.625%
HK$33,482
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,612/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,549
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,562
−HK$1,028/mo
Today · 4.125%
HK$34,590
baseline
▲ 0.50% · 4.625%
HK$36,695
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,180/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,211
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,182
−HK$985/mo
Today · 4.125%
HK$38,167
baseline
▲ 0.50% · 4.625%
HK$40,179
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,334/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,974
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,155
−HK$1,200/mo
Today · 4.125%
HK$40,355
baseline
▲ 0.50% · 4.625%
HK$42,811
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,710/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,246
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,379
−HK$1,149/mo
Today · 4.125%
HK$44,528
baseline
▲ 0.50% · 4.625%
HK$46,875
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,056/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,824
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,342
−HK$1,543/mo
Today · 4.125%
HK$51,885
baseline
▲ 0.50% · 4.625%
HK$55,042
+HK$3,157/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,770/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,316
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,773
−HK$1,477/mo
Today · 4.125%
HK$57,250
baseline
▲ 0.50% · 4.625%
HK$60,268
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,500/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,073 · Scale 2, in force from 26 Feb 2026)