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$27,143
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,988
−HK$857/mo
Today · 4.125%
HK$28,845
baseline
▲ 0.50% · 4.625%
HK$30,601
+HK$1,756/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,690/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,197
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,006
−HK$822/mo
Today · 4.125%
HK$31,828
baseline
▲ 0.50% · 4.625%
HK$33,506
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,656/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,572
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,585
−HK$1,029/mo
Today · 4.125%
HK$34,614
baseline
▲ 0.50% · 4.625%
HK$36,721
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,228/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,236
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,208
−HK$986/mo
Today · 4.125%
HK$38,194
baseline
▲ 0.50% · 4.625%
HK$40,207
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,388/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,001
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,183
−HK$1,201/mo
Today · 4.125%
HK$40,384
baseline
▲ 0.50% · 4.625%
HK$42,841
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,768/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,275
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,409
−HK$1,150/mo
Today · 4.125%
HK$44,559
baseline
▲ 0.50% · 4.625%
HK$46,908
+HK$2,349/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,118/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,858
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,378
−HK$1,544/mo
Today · 4.125%
HK$51,922
baseline
▲ 0.50% · 4.625%
HK$55,081
+HK$3,159/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,844/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,354
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,812
−HK$1,478/mo
Today · 4.125%
HK$57,290
baseline
▲ 0.50% · 4.625%
HK$60,310
+HK$3,020/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,580/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,385 · Scale 2, in force from 26 Feb 2026)