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$27,133
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,977
−HK$857/mo
Today · 4.125%
HK$28,834
baseline
▲ 0.50% · 4.625%
HK$30,589
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,668/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,185
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,995
−HK$821/mo
Today · 4.125%
HK$31,816
baseline
▲ 0.50% · 4.625%
HK$33,493
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,632/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,560
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,572
−HK$1,029/mo
Today · 4.125%
HK$34,601
baseline
▲ 0.50% · 4.625%
HK$36,707
+HK$2,106/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,202/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,222
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,194
−HK$985/mo
Today · 4.125%
HK$38,179
baseline
▲ 0.50% · 4.625%
HK$40,192
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,358/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,986
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,168
−HK$1,200/mo
Today · 4.125%
HK$40,368
baseline
▲ 0.50% · 4.625%
HK$42,825
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,736/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,259
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,393
−HK$1,149/mo
Today · 4.125%
HK$44,542
baseline
▲ 0.50% · 4.625%
HK$46,890
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,084/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,839
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,359
−HK$1,543/mo
Today · 4.125%
HK$51,902
baseline
▲ 0.50% · 4.625%
HK$55,060
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,804/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,333
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,791
−HK$1,478/mo
Today · 4.125%
HK$57,269
baseline
▲ 0.50% · 4.625%
HK$60,288
+HK$3,019/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,538/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,217 · Scale 2, in force from 26 Feb 2026)