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$27,122
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,965
−HK$857/mo
Today · 4.125%
HK$28,822
baseline
▲ 0.50% · 4.625%
HK$30,576
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,644/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,173
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,982
−HK$821/mo
Today · 4.125%
HK$31,803
baseline
▲ 0.50% · 4.625%
HK$33,479
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,606/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,546
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,558
−HK$1,029/mo
Today · 4.125%
HK$34,587
baseline
▲ 0.50% · 4.625%
HK$36,692
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,174/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,207
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,178
−HK$985/mo
Today · 4.125%
HK$38,163
baseline
▲ 0.50% · 4.625%
HK$40,175
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,326/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,970
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,151
−HK$1,200/mo
Today · 4.125%
HK$40,351
baseline
▲ 0.50% · 4.625%
HK$42,807
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,702/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,242
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,375
−HK$1,149/mo
Today · 4.125%
HK$44,524
baseline
▲ 0.50% · 4.625%
HK$46,871
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,048/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,819
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,338
−HK$1,542/mo
Today · 4.125%
HK$51,880
baseline
▲ 0.50% · 4.625%
HK$55,037
+HK$3,157/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,760/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,311
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,767
−HK$1,478/mo
Today · 4.125%
HK$57,245
baseline
▲ 0.50% · 4.625%
HK$60,262
+HK$3,017/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,490/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,031 · Scale 2, in force from 26 Feb 2026)