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$27,120
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,964
−HK$857/mo
Today · 4.125%
HK$28,821
baseline
▲ 0.50% · 4.625%
HK$30,574
+HK$1,753/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,642/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,171
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,980
−HK$821/mo
Today · 4.125%
HK$31,801
baseline
▲ 0.50% · 4.625%
HK$33,477
+HK$1,676/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,602/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,544
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,556
−HK$1,029/mo
Today · 4.125%
HK$34,585
baseline
▲ 0.50% · 4.625%
HK$36,689
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,170/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,205
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,176
−HK$985/mo
Today · 4.125%
HK$38,161
baseline
▲ 0.50% · 4.625%
HK$40,172
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,322/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$446,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,968
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,149
−HK$1,200/mo
Today · 4.125%
HK$40,349
baseline
▲ 0.50% · 4.625%
HK$42,804
+HK$2,455/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,698/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,239
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,372
−HK$1,149/mo
Today · 4.125%
HK$44,521
baseline
▲ 0.50% · 4.625%
HK$46,868
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,042/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$446,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,816
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,334
−HK$1,543/mo
Today · 4.125%
HK$51,877
baseline
▲ 0.50% · 4.625%
HK$55,034
+HK$3,157/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,754/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,307
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,764
−HK$1,477/mo
Today · 4.125%
HK$57,241
baseline
▲ 0.50% · 4.625%
HK$60,259
+HK$3,018/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,482/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,002 · Scale 2, in force from 26 Feb 2026)