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$27,153
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,998
−HK$858/mo
Today · 4.125%
HK$28,856
baseline
▲ 0.50% · 4.625%
HK$30,612
+HK$1,756/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,712/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,207
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,018
−HK$821/mo
Today · 4.125%
HK$31,839
baseline
▲ 0.50% · 4.625%
HK$33,518
+HK$1,679/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,678/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,584
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,597
−HK$1,030/mo
Today · 4.125%
HK$34,627
baseline
▲ 0.50% · 4.625%
HK$36,734
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,254/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,249
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,221
−HK$986/mo
Today · 4.125%
HK$38,207
baseline
▲ 0.50% · 4.625%
HK$40,221
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,414/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,014
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,197
−HK$1,201/mo
Today · 4.125%
HK$40,398
baseline
▲ 0.50% · 4.625%
HK$42,856
+HK$2,458/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,796/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,290
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,425
−HK$1,150/mo
Today · 4.125%
HK$44,575
baseline
▲ 0.50% · 4.625%
HK$46,925
+HK$2,350/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,150/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,875
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,396
−HK$1,544/mo
Today · 4.125%
HK$51,940
baseline
▲ 0.50% · 4.625%
HK$55,101
+HK$3,161/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,880/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,373
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,832
−HK$1,479/mo
Today · 4.125%
HK$57,311
baseline
▲ 0.50% · 4.625%
HK$60,332
+HK$3,021/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,622/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,546 · Scale 2, in force from 26 Feb 2026)