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$27,125
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,969
−HK$857/mo
Today · 4.125%
HK$28,826
baseline
▲ 0.50% · 4.625%
HK$30,580
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,652/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,176
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,986
−HK$821/mo
Today · 4.125%
HK$31,807
baseline
▲ 0.50% · 4.625%
HK$33,483
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,614/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,550
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,563
−HK$1,028/mo
Today · 4.125%
HK$34,591
baseline
▲ 0.50% · 4.625%
HK$36,696
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,182/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,212
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,183
−HK$985/mo
Today · 4.125%
HK$38,168
baseline
▲ 0.50% · 4.625%
HK$40,180
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,336/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,975
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,156
−HK$1,201/mo
Today · 4.125%
HK$40,357
baseline
▲ 0.50% · 4.625%
HK$42,812
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,714/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,247
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,380
−HK$1,149/mo
Today · 4.125%
HK$44,529
baseline
▲ 0.50% · 4.625%
HK$46,877
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,058/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,825
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,344
−HK$1,543/mo
Today · 4.125%
HK$51,887
baseline
▲ 0.50% · 4.625%
HK$55,044
+HK$3,157/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,774/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,318
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,774
−HK$1,478/mo
Today · 4.125%
HK$57,252
baseline
▲ 0.50% · 4.625%
HK$60,270
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,504/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,087 · Scale 2, in force from 26 Feb 2026)