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$27,130
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$857/mo
Today · 4.125%
HK$28,831
baseline
▲ 0.50% · 4.625%
HK$30,585
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,662/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,182
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,991
−HK$821/mo
Today · 4.125%
HK$31,812
baseline
▲ 0.50% · 4.625%
HK$33,489
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,624/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,556
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,568
−HK$1,029/mo
Today · 4.125%
HK$34,597
baseline
▲ 0.50% · 4.625%
HK$36,702
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,194/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,218
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,189
−HK$986/mo
Today · 4.125%
HK$38,175
baseline
▲ 0.50% · 4.625%
HK$40,187
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,350/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,982
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,163
−HK$1,200/mo
Today · 4.125%
HK$40,363
baseline
▲ 0.50% · 4.625%
HK$42,819
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,726/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,254
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,387
−HK$1,150/mo
Today · 4.125%
HK$44,537
baseline
▲ 0.50% · 4.625%
HK$46,885
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,074/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,834
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,353
−HK$1,543/mo
Today · 4.125%
HK$51,896
baseline
▲ 0.50% · 4.625%
HK$55,054
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,792/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,327
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,784
−HK$1,478/mo
Today · 4.125%
HK$57,262
baseline
▲ 0.50% · 4.625%
HK$60,280
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,524/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,164 · Scale 2, in force from 26 Feb 2026)