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$27,115
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,958
−HK$857/mo
Today · 4.125%
HK$28,815
baseline
▲ 0.50% · 4.625%
HK$30,568
+HK$1,753/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,630/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,165
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,974
−HK$821/mo
Today · 4.125%
HK$31,795
baseline
▲ 0.50% · 4.625%
HK$33,470
+HK$1,675/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,590/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,538
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,550
−HK$1,028/mo
Today · 4.125%
HK$34,578
baseline
▲ 0.50% · 4.625%
HK$36,682
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,156/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,198
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,169
−HK$984/mo
Today · 4.125%
HK$38,153
baseline
▲ 0.50% · 4.625%
HK$40,165
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,306/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,961
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,141
−HK$1,200/mo
Today · 4.125%
HK$40,341
baseline
▲ 0.50% · 4.625%
HK$42,796
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,682/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,231
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,363
−HK$1,149/mo
Today · 4.125%
HK$44,512
baseline
▲ 0.50% · 4.625%
HK$46,859
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,024/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,806
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,325
−HK$1,542/mo
Today · 4.125%
HK$51,867
baseline
▲ 0.50% · 4.625%
HK$55,023
+HK$3,156/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,734/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,297
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,753
−HK$1,477/mo
Today · 4.125%
HK$57,230
baseline
▲ 0.50% · 4.625%
HK$60,247
+HK$3,017/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,460/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,915 · Scale 2, in force from 26 Feb 2026)