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$446,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,175
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,984
−HK$821/mo
Today · 4.125%
HK$31,805
baseline
▲ 0.50% · 4.625%
HK$33,482
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,610/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,549
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,561
−HK$1,029/mo
Today · 4.125%
HK$34,590
baseline
▲ 0.50% · 4.625%
HK$36,694
+HK$2,104/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$446,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,210
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,181
−HK$985/mo
Today · 4.125%
HK$38,166
baseline
▲ 0.50% · 4.625%
HK$40,178
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,332/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,973
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,155
−HK$1,200/mo
Today · 4.125%
HK$40,355
baseline
▲ 0.50% · 4.625%
HK$42,810
+HK$2,455/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$446,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,245
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,378
−HK$1,149/mo
Today · 4.125%
HK$44,527
baseline
▲ 0.50% · 4.625%
HK$46,875
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,054/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,823
−HK$3,062/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$446,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,315
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,772
−HK$1,478/mo
Today · 4.125%
HK$57,250
baseline
▲ 0.50% · 4.625%
HK$60,267
+HK$3,017/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$446,067 · Scale 2, in force from 26 Feb 2026)