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$27,118
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,962
−HK$857/mo
Today · 4.125%
HK$28,819
baseline
▲ 0.50% · 4.625%
HK$30,573
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,638/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,169
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,978
−HK$821/mo
Today · 4.125%
HK$31,799
baseline
▲ 0.50% · 4.625%
HK$33,475
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,598/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,542
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,554
−HK$1,029/mo
Today · 4.125%
HK$34,583
baseline
▲ 0.50% · 4.625%
HK$36,687
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,166/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,203
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,174
−HK$985/mo
Today · 4.125%
HK$38,159
baseline
▲ 0.50% · 4.625%
HK$40,170
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,318/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,966
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,147
−HK$1,200/mo
Today · 4.125%
HK$40,347
baseline
▲ 0.50% · 4.625%
HK$42,802
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,694/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,237
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,369
−HK$1,150/mo
Today · 4.125%
HK$44,519
baseline
▲ 0.50% · 4.625%
HK$46,865
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,038/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,813
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,332
−HK$1,542/mo
Today · 4.125%
HK$51,874
baseline
▲ 0.50% · 4.625%
HK$55,031
+HK$3,157/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,748/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,304
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,761
−HK$1,477/mo
Today · 4.125%
HK$57,238
baseline
▲ 0.50% · 4.625%
HK$60,255
+HK$3,017/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,476/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,978 · Scale 2, in force from 26 Feb 2026)