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$27,114
−HK$1,701/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$445,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,164
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$821/mo
Today · 4.125%
HK$31,794
baseline
▲ 0.50% · 4.625%
HK$33,470
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,588/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,537
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,549
−HK$1,029/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$445,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,197
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,168
−HK$985/mo
Today · 4.125%
HK$38,153
baseline
▲ 0.50% · 4.625%
HK$40,164
+HK$2,011/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$445,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,960
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,141
−HK$1,200/mo
Today · 4.125%
HK$40,341
baseline
▲ 0.50% · 4.625%
HK$42,795
+HK$2,454/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$445,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,230
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,363
−HK$1,149/mo
Today · 4.125%
HK$44,512
baseline
▲ 0.50% · 4.625%
HK$46,858
+HK$2,346/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$445,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,806
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,324
−HK$1,542/mo
Today · 4.125%
HK$51,866
baseline
▲ 0.50% · 4.625%
HK$55,022
+HK$3,156/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,732/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,296
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,752
−HK$1,477/mo
Today · 4.125%
HK$57,229
baseline
▲ 0.50% · 4.625%
HK$60,246
+HK$3,017/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,458/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,910 · Scale 2, in force from 26 Feb 2026)