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$27,142
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,987
−HK$857/mo
Today · 4.125%
HK$28,844
baseline
▲ 0.50% · 4.625%
HK$30,599
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,688/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,195
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,005
−HK$822/mo
Today · 4.125%
HK$31,827
baseline
▲ 0.50% · 4.625%
HK$33,504
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,654/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,571
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,584
−HK$1,029/mo
Today · 4.125%
HK$34,613
baseline
▲ 0.50% · 4.625%
HK$36,719
+HK$2,106/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,226/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,235
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,206
−HK$986/mo
Today · 4.125%
HK$38,192
baseline
▲ 0.50% · 4.625%
HK$40,205
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,384/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,999
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,181
−HK$1,201/mo
Today · 4.125%
HK$40,382
baseline
▲ 0.50% · 4.625%
HK$42,839
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,764/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,274
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,407
−HK$1,151/mo
Today · 4.125%
HK$44,558
baseline
▲ 0.50% · 4.625%
HK$46,906
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,116/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,856
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,376
−HK$1,544/mo
Today · 4.125%
HK$51,920
baseline
▲ 0.50% · 4.625%
HK$55,079
+HK$3,159/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,840/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,352
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,810
−HK$1,478/mo
Today · 4.125%
HK$57,288
baseline
▲ 0.50% · 4.625%
HK$60,308
+HK$3,020/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,576/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,369 · Scale 2, in force from 26 Feb 2026)