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$27,131
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,975
−HK$858/mo
Today · 4.125%
HK$28,833
baseline
▲ 0.50% · 4.625%
HK$30,587
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,666/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,184
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,993
−HK$821/mo
Today · 4.125%
HK$31,814
baseline
▲ 0.50% · 4.625%
HK$33,491
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,628/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,558
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,571
−HK$1,028/mo
Today · 4.125%
HK$34,599
baseline
▲ 0.50% · 4.625%
HK$36,705
+HK$2,106/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,198/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,220
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,192
−HK$985/mo
Today · 4.125%
HK$38,177
baseline
▲ 0.50% · 4.625%
HK$40,189
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,354/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,984
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,166
−HK$1,200/mo
Today · 4.125%
HK$40,366
baseline
▲ 0.50% · 4.625%
HK$42,822
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,732/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,257
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,390
−HK$1,150/mo
Today · 4.125%
HK$44,540
baseline
▲ 0.50% · 4.625%
HK$46,888
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,080/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,837
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,356
−HK$1,543/mo
Today · 4.125%
HK$51,899
baseline
▲ 0.50% · 4.625%
HK$55,057
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,798/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,330
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,787
−HK$1,479/mo
Today · 4.125%
HK$57,266
baseline
▲ 0.50% · 4.625%
HK$60,284
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,532/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,192 · Scale 2, in force from 26 Feb 2026)