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$30,583
+HK$1,755/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$446,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,179
−HK$1,630/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$446,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,553
−HK$2,041/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$446,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,215
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,186
−HK$985/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$446,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,978
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,160
−HK$1,200/mo
Today · 4.125%
HK$40,360
baseline
▲ 0.50% · 4.625%
HK$42,816
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,720/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,250
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,384
−HK$1,149/mo
Today · 4.125%
HK$44,533
baseline
▲ 0.50% · 4.625%
HK$46,881
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,066/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,829
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,348
−HK$1,543/mo
Today · 4.125%
HK$51,891
baseline
▲ 0.50% · 4.625%
HK$55,049
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,782/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,322
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,779
−HK$1,478/mo
Today · 4.125%
HK$57,257
baseline
▲ 0.50% · 4.625%
HK$60,275
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,514/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,124 · Scale 2, in force from 26 Feb 2026)