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$27,120
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,963
−HK$857/mo
Today · 4.125%
HK$28,820
baseline
▲ 0.50% · 4.625%
HK$30,574
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,640/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,170
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,979
−HK$821/mo
Today · 4.125%
HK$31,800
baseline
▲ 0.50% · 4.625%
HK$33,476
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,600/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,543
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,556
−HK$1,028/mo
Today · 4.125%
HK$34,584
baseline
▲ 0.50% · 4.625%
HK$36,689
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,168/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,204
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,175
−HK$985/mo
Today · 4.125%
HK$38,160
baseline
▲ 0.50% · 4.625%
HK$40,172
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,320/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,967
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,148
−HK$1,200/mo
Today · 4.125%
HK$40,348
baseline
▲ 0.50% · 4.625%
HK$42,803
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,696/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,238
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,371
−HK$1,149/mo
Today · 4.125%
HK$44,520
baseline
▲ 0.50% · 4.625%
HK$46,867
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,040/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,815
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,334
−HK$1,542/mo
Today · 4.125%
HK$51,876
baseline
▲ 0.50% · 4.625%
HK$55,033
+HK$3,157/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,752/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,306
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,763
−HK$1,477/mo
Today · 4.125%
HK$57,240
baseline
▲ 0.50% · 4.625%
HK$60,258
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,480/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$445,995 · Scale 2, in force from 26 Feb 2026)