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$27,154
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,999
−HK$858/mo
Today · 4.125%
HK$28,857
baseline
▲ 0.50% · 4.625%
HK$30,613
+HK$1,756/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,714/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,209
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,019
−HK$822/mo
Today · 4.125%
HK$31,841
baseline
▲ 0.50% · 4.625%
HK$33,519
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,682/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,585
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,599
−HK$1,030/mo
Today · 4.125%
HK$34,629
baseline
▲ 0.50% · 4.625%
HK$36,736
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$69,258/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,251
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,223
−HK$986/mo
Today · 4.125%
HK$38,209
baseline
▲ 0.50% · 4.625%
HK$40,223
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$76,418/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,016
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,199
−HK$1,201/mo
Today · 4.125%
HK$40,400
baseline
▲ 0.50% · 4.625%
HK$42,858
+HK$2,458/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,800/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,293
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,427
−HK$1,151/mo
Today · 4.125%
HK$44,578
baseline
▲ 0.50% · 4.625%
HK$46,927
+HK$2,349/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,156/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,878
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,398
−HK$1,545/mo
Today · 4.125%
HK$51,943
baseline
▲ 0.50% · 4.625%
HK$55,104
+HK$3,161/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,886/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,376
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,834
−HK$1,480/mo
Today · 4.125%
HK$57,314
baseline
▲ 0.50% · 4.625%
HK$60,335
+HK$3,021/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,628/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,568 · Scale 2, in force from 26 Feb 2026)