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$27,136
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,980
−HK$857/mo
Today · 4.125%
HK$28,837
baseline
▲ 0.50% · 4.625%
HK$30,592
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,674/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,188
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,998
−HK$821/mo
Today · 4.125%
HK$31,819
baseline
▲ 0.50% · 4.625%
HK$33,496
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,638/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,563
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,576
−HK$1,029/mo
Today · 4.125%
HK$34,605
baseline
▲ 0.50% · 4.625%
HK$36,710
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,210/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,226
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,197
−HK$986/mo
Today · 4.125%
HK$38,183
baseline
▲ 0.50% · 4.625%
HK$40,196
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,366/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,990
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,172
−HK$1,200/mo
Today · 4.125%
HK$40,372
baseline
▲ 0.50% · 4.625%
HK$42,829
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,744/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,264
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,397
−HK$1,150/mo
Today · 4.125%
HK$44,547
baseline
▲ 0.50% · 4.625%
HK$46,895
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,094/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,844
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,364
−HK$1,543/mo
Today · 4.125%
HK$51,907
baseline
▲ 0.50% · 4.625%
HK$55,066
+HK$3,159/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,814/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,339
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,796
−HK$1,479/mo
Today · 4.125%
HK$57,275
baseline
▲ 0.50% · 4.625%
HK$60,294
+HK$3,019/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,550/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,262 · Scale 2, in force from 26 Feb 2026)