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$27,117
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,961
−HK$857/mo
Today · 4.125%
HK$28,818
baseline
▲ 0.50% · 4.625%
HK$30,571
+HK$1,753/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,636/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,168
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,977
−HK$821/mo
Today · 4.125%
HK$31,798
baseline
▲ 0.50% · 4.625%
HK$33,474
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,596/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,541
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,553
−HK$1,028/mo
Today · 4.125%
HK$34,581
baseline
▲ 0.50% · 4.625%
HK$36,686
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,162/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,201
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,172
−HK$985/mo
Today · 4.125%
HK$38,157
baseline
▲ 0.50% · 4.625%
HK$40,168
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,314/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,964
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,145
−HK$1,200/mo
Today · 4.125%
HK$40,345
baseline
▲ 0.50% · 4.625%
HK$42,800
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,690/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,235
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,368
−HK$1,149/mo
Today · 4.125%
HK$44,517
baseline
▲ 0.50% · 4.625%
HK$46,863
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,034/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,811
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,330
−HK$1,542/mo
Today · 4.125%
HK$51,872
baseline
▲ 0.50% · 4.625%
HK$55,028
+HK$3,156/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,744/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,302
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,758
−HK$1,478/mo
Today · 4.125%
HK$57,236
baseline
▲ 0.50% · 4.625%
HK$60,253
+HK$3,017/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,472/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,959 · Scale 2, in force from 26 Feb 2026)