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$27,124
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,968
−HK$857/mo
Today · 4.125%
HK$28,825
baseline
▲ 0.50% · 4.625%
HK$30,579
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,650/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,176
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,985
−HK$821/mo
Today · 4.125%
HK$31,806
baseline
▲ 0.50% · 4.625%
HK$33,483
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,612/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,549
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,562
−HK$1,029/mo
Today · 4.125%
HK$34,591
baseline
▲ 0.50% · 4.625%
HK$36,695
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,182/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,211
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,182
−HK$985/mo
Today · 4.125%
HK$38,167
baseline
▲ 0.50% · 4.625%
HK$40,179
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,334/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,974
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,155
−HK$1,201/mo
Today · 4.125%
HK$40,356
baseline
▲ 0.50% · 4.625%
HK$42,811
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,712/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,246
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,379
−HK$1,149/mo
Today · 4.125%
HK$44,528
baseline
▲ 0.50% · 4.625%
HK$46,876
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,056/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,824
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,343
−HK$1,543/mo
Today · 4.125%
HK$51,886
baseline
▲ 0.50% · 4.625%
HK$55,043
+HK$3,157/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,772/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,316
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,773
−HK$1,478/mo
Today · 4.125%
HK$57,251
baseline
▲ 0.50% · 4.625%
HK$60,269
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,502/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,077 · Scale 2, in force from 26 Feb 2026)