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$27,158
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,003
−HK$858/mo
Today · 4.125%
HK$28,861
baseline
▲ 0.50% · 4.625%
HK$30,617
+HK$1,756/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,722/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,213
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,023
−HK$822/mo
Today · 4.125%
HK$31,845
baseline
▲ 0.50% · 4.625%
HK$33,524
+HK$1,679/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,690/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,589
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,603
−HK$1,030/mo
Today · 4.125%
HK$34,633
baseline
▲ 0.50% · 4.625%
HK$36,740
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$69,266/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,255
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,228
−HK$986/mo
Today · 4.125%
HK$38,214
baseline
▲ 0.50% · 4.625%
HK$40,228
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$76,428/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,021
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,204
−HK$1,201/mo
Today · 4.125%
HK$40,405
baseline
▲ 0.50% · 4.625%
HK$42,864
+HK$2,459/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,810/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,298
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,432
−HK$1,151/mo
Today · 4.125%
HK$44,583
baseline
▲ 0.50% · 4.625%
HK$46,933
+HK$2,350/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,166/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,884
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,405
−HK$1,545/mo
Today · 4.125%
HK$51,950
baseline
▲ 0.50% · 4.625%
HK$55,111
+HK$3,161/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,900/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,383
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,842
−HK$1,479/mo
Today · 4.125%
HK$57,321
baseline
▲ 0.50% · 4.625%
HK$60,343
+HK$3,022/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,642/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,625 · Scale 2, in force from 26 Feb 2026)