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$27,145
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,989
−HK$858/mo
Today · 4.125%
HK$28,847
baseline
▲ 0.50% · 4.625%
HK$30,602
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,694/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,198
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,008
−HK$822/mo
Today · 4.125%
HK$31,830
baseline
▲ 0.50% · 4.625%
HK$33,508
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,660/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,574
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,587
−HK$1,029/mo
Today · 4.125%
HK$34,616
baseline
▲ 0.50% · 4.625%
HK$36,723
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,232/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,238
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,210
−HK$986/mo
Today · 4.125%
HK$38,196
baseline
▲ 0.50% · 4.625%
HK$40,209
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,392/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,003
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,185
−HK$1,201/mo
Today · 4.125%
HK$40,386
baseline
▲ 0.50% · 4.625%
HK$42,843
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,772/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,278
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,411
−HK$1,151/mo
Today · 4.125%
HK$44,562
baseline
▲ 0.50% · 4.625%
HK$46,911
+HK$2,349/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,124/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,861
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,380
−HK$1,545/mo
Today · 4.125%
HK$51,925
baseline
▲ 0.50% · 4.625%
HK$55,084
+HK$3,159/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,850/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,357
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,815
−HK$1,479/mo
Today · 4.125%
HK$57,294
baseline
▲ 0.50% · 4.625%
HK$60,314
+HK$3,020/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,588/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,410 · Scale 2, in force from 26 Feb 2026)