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$27,147
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,992
−HK$858/mo
Today · 4.125%
HK$28,850
baseline
▲ 0.50% · 4.625%
HK$30,605
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,700/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,201
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,011
−HK$822/mo
Today · 4.125%
HK$31,833
baseline
▲ 0.50% · 4.625%
HK$33,511
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,666/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,577
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,590
−HK$1,029/mo
Today · 4.125%
HK$34,619
baseline
▲ 0.50% · 4.625%
HK$36,726
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,238/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,241
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,213
−HK$986/mo
Today · 4.125%
HK$38,199
baseline
▲ 0.50% · 4.625%
HK$40,213
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,398/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,006
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,188
−HK$1,201/mo
Today · 4.125%
HK$40,389
baseline
▲ 0.50% · 4.625%
HK$42,847
+HK$2,458/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,778/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,281
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,415
−HK$1,151/mo
Today · 4.125%
HK$44,566
baseline
▲ 0.50% · 4.625%
HK$46,915
+HK$2,349/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,132/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,865
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,385
−HK$1,544/mo
Today · 4.125%
HK$51,929
baseline
▲ 0.50% · 4.625%
HK$55,089
+HK$3,160/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,858/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,362
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,820
−HK$1,479/mo
Today · 4.125%
HK$57,299
baseline
▲ 0.50% · 4.625%
HK$60,319
+HK$3,020/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,598/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,450 · Scale 2, in force from 26 Feb 2026)