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$27,129
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,973
−HK$857/mo
Today · 4.125%
HK$28,830
baseline
▲ 0.50% · 4.625%
HK$30,585
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,660/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,181
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,990
−HK$821/mo
Today · 4.125%
HK$31,811
baseline
▲ 0.50% · 4.625%
HK$33,488
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,622/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,555
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,568
−HK$1,028/mo
Today · 4.125%
HK$34,596
baseline
▲ 0.50% · 4.625%
HK$36,702
+HK$2,106/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,192/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,217
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,188
−HK$986/mo
Today · 4.125%
HK$38,174
baseline
▲ 0.50% · 4.625%
HK$40,186
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,348/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,981
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,162
−HK$1,200/mo
Today · 4.125%
HK$40,362
baseline
▲ 0.50% · 4.625%
HK$42,818
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,724/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,253
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,386
−HK$1,150/mo
Today · 4.125%
HK$44,536
baseline
▲ 0.50% · 4.625%
HK$46,884
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,072/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,832
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,351
−HK$1,544/mo
Today · 4.125%
HK$51,895
baseline
▲ 0.50% · 4.625%
HK$55,052
+HK$3,157/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,790/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,326
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,783
−HK$1,478/mo
Today · 4.125%
HK$57,261
baseline
▲ 0.50% · 4.625%
HK$60,279
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,522/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,153 · Scale 2, in force from 26 Feb 2026)