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$27,123
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,967
−HK$857/mo
Today · 4.125%
HK$28,824
baseline
▲ 0.50% · 4.625%
HK$30,578
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,648/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,174
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,983
−HK$821/mo
Today · 4.125%
HK$31,804
baseline
▲ 0.50% · 4.625%
HK$33,481
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,608/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,548
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,560
−HK$1,029/mo
Today · 4.125%
HK$34,589
baseline
▲ 0.50% · 4.625%
HK$36,693
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,178/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,209
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,180
−HK$985/mo
Today · 4.125%
HK$38,165
baseline
▲ 0.50% · 4.625%
HK$40,177
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,330/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,972
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,154
−HK$1,200/mo
Today · 4.125%
HK$40,354
baseline
▲ 0.50% · 4.625%
HK$42,809
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,708/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,244
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,377
−HK$1,149/mo
Today · 4.125%
HK$44,526
baseline
▲ 0.50% · 4.625%
HK$46,873
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,052/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,822
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,340
−HK$1,543/mo
Today · 4.125%
HK$51,883
baseline
▲ 0.50% · 4.625%
HK$55,040
+HK$3,157/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,766/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,314
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,770
−HK$1,478/mo
Today · 4.125%
HK$57,248
baseline
▲ 0.50% · 4.625%
HK$60,266
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,496/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,054 · Scale 2, in force from 26 Feb 2026)