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$27,142
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,986
−HK$858/mo
Today · 4.125%
HK$28,844
baseline
▲ 0.50% · 4.625%
HK$30,599
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,688/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,195
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,005
−HK$821/mo
Today · 4.125%
HK$31,826
baseline
▲ 0.50% · 4.625%
HK$33,504
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,652/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,570
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,583
−HK$1,029/mo
Today · 4.125%
HK$34,612
baseline
▲ 0.50% · 4.625%
HK$36,719
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,224/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,234
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,206
−HK$985/mo
Today · 4.125%
HK$38,191
baseline
▲ 0.50% · 4.625%
HK$40,205
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,382/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,998
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,180
−HK$1,201/mo
Today · 4.125%
HK$40,381
baseline
▲ 0.50% · 4.625%
HK$42,838
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,762/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,273
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,407
−HK$1,150/mo
Today · 4.125%
HK$44,557
baseline
▲ 0.50% · 4.625%
HK$46,905
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,114/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,855
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,375
−HK$1,544/mo
Today · 4.125%
HK$51,919
baseline
▲ 0.50% · 4.625%
HK$55,078
+HK$3,159/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,838/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,351
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,808
−HK$1,479/mo
Today · 4.125%
HK$57,287
baseline
▲ 0.50% · 4.625%
HK$60,307
+HK$3,020/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,574/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,360 · Scale 2, in force from 26 Feb 2026)