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$27,113
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,956
−HK$857/mo
Today · 4.125%
HK$28,813
baseline
▲ 0.50% · 4.625%
HK$30,566
+HK$1,753/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,626/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,162
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,971
−HK$821/mo
Today · 4.125%
HK$31,792
baseline
▲ 0.50% · 4.625%
HK$33,468
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,584/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,535
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,547
−HK$1,028/mo
Today · 4.125%
HK$34,575
baseline
▲ 0.50% · 4.625%
HK$36,679
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,150/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,195
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,166
−HK$984/mo
Today · 4.125%
HK$38,150
baseline
▲ 0.50% · 4.625%
HK$40,161
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,300/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,958
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,138
−HK$1,200/mo
Today · 4.125%
HK$40,338
baseline
▲ 0.50% · 4.625%
HK$42,792
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,676/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,227
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,360
−HK$1,149/mo
Today · 4.125%
HK$44,509
baseline
▲ 0.50% · 4.625%
HK$46,855
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,018/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,803
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,321
−HK$1,542/mo
Today · 4.125%
HK$51,863
baseline
▲ 0.50% · 4.625%
HK$55,019
+HK$3,156/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,726/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,292
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,749
−HK$1,477/mo
Today · 4.125%
HK$57,226
baseline
▲ 0.50% · 4.625%
HK$60,242
+HK$3,016/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,452/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,881 · Scale 2, in force from 26 Feb 2026)