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$30,572
+HK$1,753/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$445,973 · 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$445,973 · 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$445,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,202
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,173
−HK$985/mo
Today · 4.125%
HK$38,158
baseline
▲ 0.50% · 4.625%
HK$40,170
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,316/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,965
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,146
−HK$1,200/mo
Today · 4.125%
HK$40,346
baseline
▲ 0.50% · 4.625%
HK$42,801
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,692/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,236
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,369
−HK$1,149/mo
Today · 4.125%
HK$44,518
baseline
▲ 0.50% · 4.625%
HK$46,865
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,036/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,813
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,331
−HK$1,543/mo
Today · 4.125%
HK$51,874
baseline
▲ 0.50% · 4.625%
HK$55,030
+HK$3,156/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$445,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,304
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,760
−HK$1,478/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$445,973 · Scale 2, in force from 26 Feb 2026)