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$27,155
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,000
−HK$858/mo
Today · 4.125%
HK$28,858
baseline
▲ 0.50% · 4.625%
HK$30,614
+HK$1,756/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,716/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,210
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,020
−HK$822/mo
Today · 4.125%
HK$31,842
baseline
▲ 0.50% · 4.625%
HK$33,520
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,684/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,586
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,600
−HK$1,030/mo
Today · 4.125%
HK$34,630
baseline
▲ 0.50% · 4.625%
HK$36,737
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$69,260/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,252
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,224
−HK$986/mo
Today · 4.125%
HK$38,210
baseline
▲ 0.50% · 4.625%
HK$40,224
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$76,420/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,017
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,200
−HK$1,201/mo
Today · 4.125%
HK$40,401
baseline
▲ 0.50% · 4.625%
HK$42,860
+HK$2,459/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,802/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,294
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,428
−HK$1,151/mo
Today · 4.125%
HK$44,579
baseline
▲ 0.50% · 4.625%
HK$46,929
+HK$2,350/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,158/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,879
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,400
−HK$1,544/mo
Today · 4.125%
HK$51,944
baseline
▲ 0.50% · 4.625%
HK$55,105
+HK$3,161/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,888/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,378
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,836
−HK$1,480/mo
Today · 4.125%
HK$57,316
baseline
▲ 0.50% · 4.625%
HK$60,337
+HK$3,021/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,632/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,581 · Scale 2, in force from 26 Feb 2026)