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$27,134
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,978
−HK$857/mo
Today · 4.125%
HK$28,835
baseline
▲ 0.50% · 4.625%
HK$30,590
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,670/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,186
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,996
−HK$821/mo
Today · 4.125%
HK$31,817
baseline
▲ 0.50% · 4.625%
HK$33,494
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,634/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,561
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,573
−HK$1,029/mo
Today · 4.125%
HK$34,602
baseline
▲ 0.50% · 4.625%
HK$36,708
+HK$2,106/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,204/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,223
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,195
−HK$985/mo
Today · 4.125%
HK$38,180
baseline
▲ 0.50% · 4.625%
HK$40,193
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,360/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,987
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,169
−HK$1,201/mo
Today · 4.125%
HK$40,370
baseline
▲ 0.50% · 4.625%
HK$42,826
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,740/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,261
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,394
−HK$1,150/mo
Today · 4.125%
HK$44,544
baseline
▲ 0.50% · 4.625%
HK$46,892
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,088/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,841
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,360
−HK$1,544/mo
Today · 4.125%
HK$51,904
baseline
▲ 0.50% · 4.625%
HK$55,062
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,808/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,335
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,792
−HK$1,479/mo
Today · 4.125%
HK$57,271
baseline
▲ 0.50% · 4.625%
HK$60,289
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,542/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,231 · Scale 2, in force from 26 Feb 2026)