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$27,151
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,995
−HK$859/mo
Today · 4.125%
HK$28,854
baseline
▲ 0.50% · 4.625%
HK$30,609
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,708/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,205
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,015
−HK$822/mo
Today · 4.125%
HK$31,837
baseline
▲ 0.50% · 4.625%
HK$33,515
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,674/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,581
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,595
−HK$1,029/mo
Today · 4.125%
HK$34,624
baseline
▲ 0.50% · 4.625%
HK$36,731
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,248/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,246
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,218
−HK$986/mo
Today · 4.125%
HK$38,204
baseline
▲ 0.50% · 4.625%
HK$40,218
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,408/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,011
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,194
−HK$1,201/mo
Today · 4.125%
HK$40,395
baseline
▲ 0.50% · 4.625%
HK$42,853
+HK$2,458/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,790/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,287
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,421
−HK$1,151/mo
Today · 4.125%
HK$44,572
baseline
▲ 0.50% · 4.625%
HK$46,921
+HK$2,349/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,144/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,872
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,392
−HK$1,544/mo
Today · 4.125%
HK$51,936
baseline
▲ 0.50% · 4.625%
HK$55,097
+HK$3,161/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,872/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,369
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,827
−HK$1,480/mo
Today · 4.125%
HK$57,307
baseline
▲ 0.50% · 4.625%
HK$60,327
+HK$3,020/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,614/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,511 · Scale 2, in force from 26 Feb 2026)