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$27,132
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,976
−HK$857/mo
Today · 4.125%
HK$28,833
baseline
▲ 0.50% · 4.625%
HK$30,588
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,666/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,184
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,993
−HK$822/mo
Today · 4.125%
HK$31,815
baseline
▲ 0.50% · 4.625%
HK$33,492
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,630/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,558
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,571
−HK$1,029/mo
Today · 4.125%
HK$34,600
baseline
▲ 0.50% · 4.625%
HK$36,705
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,200/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,221
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,192
−HK$986/mo
Today · 4.125%
HK$38,178
baseline
▲ 0.50% · 4.625%
HK$40,190
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,356/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,985
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,166
−HK$1,201/mo
Today · 4.125%
HK$40,367
baseline
▲ 0.50% · 4.625%
HK$42,823
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,734/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,258
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,391
−HK$1,150/mo
Today · 4.125%
HK$44,541
baseline
▲ 0.50% · 4.625%
HK$46,888
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,082/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,837
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,357
−HK$1,543/mo
Today · 4.125%
HK$51,900
baseline
▲ 0.50% · 4.625%
HK$55,058
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,800/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,331
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,788
−HK$1,478/mo
Today · 4.125%
HK$57,266
baseline
▲ 0.50% · 4.625%
HK$60,285
+HK$3,019/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,532/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,199 · Scale 2, in force from 26 Feb 2026)