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$27,156
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,001
−HK$858/mo
Today · 4.125%
HK$28,859
baseline
▲ 0.50% · 4.625%
HK$30,615
+HK$1,756/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,718/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,211
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,021
−HK$822/mo
Today · 4.125%
HK$31,843
baseline
▲ 0.50% · 4.625%
HK$33,522
+HK$1,679/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,686/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,587
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,601
−HK$1,030/mo
Today · 4.125%
HK$34,631
baseline
▲ 0.50% · 4.625%
HK$36,738
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$69,262/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,253
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,225
−HK$987/mo
Today · 4.125%
HK$38,212
baseline
▲ 0.50% · 4.625%
HK$40,226
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$76,424/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,019
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,201
−HK$1,202/mo
Today · 4.125%
HK$40,403
baseline
▲ 0.50% · 4.625%
HK$42,861
+HK$2,458/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,806/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,295
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,430
−HK$1,150/mo
Today · 4.125%
HK$44,580
baseline
▲ 0.50% · 4.625%
HK$46,930
+HK$2,350/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,160/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,881
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,401
−HK$1,545/mo
Today · 4.125%
HK$51,946
baseline
▲ 0.50% · 4.625%
HK$55,107
+HK$3,161/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,892/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,380
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,838
−HK$1,480/mo
Today · 4.125%
HK$57,318
baseline
▲ 0.50% · 4.625%
HK$60,339
+HK$3,021/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,636/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,597 · Scale 2, in force from 26 Feb 2026)