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$27,121
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,964
−HK$857/mo
Today · 4.125%
HK$28,821
baseline
▲ 0.50% · 4.625%
HK$30,575
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,642/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,172
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,981
−HK$821/mo
Today · 4.125%
HK$31,802
baseline
▲ 0.50% · 4.625%
HK$33,478
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,604/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,545
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,557
−HK$1,029/mo
Today · 4.125%
HK$34,586
baseline
▲ 0.50% · 4.625%
HK$36,690
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,172/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,206
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,177
−HK$985/mo
Today · 4.125%
HK$38,162
baseline
▲ 0.50% · 4.625%
HK$40,174
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,324/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,969
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,150
−HK$1,200/mo
Today · 4.125%
HK$40,350
baseline
▲ 0.50% · 4.625%
HK$42,805
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,700/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,240
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,373
−HK$1,149/mo
Today · 4.125%
HK$44,522
baseline
▲ 0.50% · 4.625%
HK$46,869
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,044/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,817
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,336
−HK$1,543/mo
Today · 4.125%
HK$51,879
baseline
▲ 0.50% · 4.625%
HK$55,035
+HK$3,156/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,758/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,309
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,765
−HK$1,478/mo
Today · 4.125%
HK$57,243
baseline
▲ 0.50% · 4.625%
HK$60,260
+HK$3,017/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,486/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,016 · Scale 2, in force from 26 Feb 2026)