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$27,116
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,960
−HK$856/mo
Today · 4.125%
HK$28,816
baseline
▲ 0.50% · 4.625%
HK$30,570
+HK$1,754/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$445,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,166
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,975
−HK$821/mo
Today · 4.125%
HK$31,796
baseline
▲ 0.50% · 4.625%
HK$33,472
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,592/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,539
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,551
−HK$1,029/mo
Today · 4.125%
HK$34,580
baseline
▲ 0.50% · 4.625%
HK$36,684
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,160/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,200
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,170
−HK$985/mo
Today · 4.125%
HK$38,155
baseline
▲ 0.50% · 4.625%
HK$40,167
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,310/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,963
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,143
−HK$1,200/mo
Today · 4.125%
HK$40,343
baseline
▲ 0.50% · 4.625%
HK$42,798
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,686/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,233
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,366
−HK$1,149/mo
Today · 4.125%
HK$44,515
baseline
▲ 0.50% · 4.625%
HK$46,861
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,030/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,809
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,327
−HK$1,543/mo
Today · 4.125%
HK$51,870
baseline
▲ 0.50% · 4.625%
HK$55,026
+HK$3,156/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,740/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,299
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,756
−HK$1,477/mo
Today · 4.125%
HK$57,233
baseline
▲ 0.50% · 4.625%
HK$60,250
+HK$3,017/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,466/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,938 · Scale 2, in force from 26 Feb 2026)