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$27,131
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,975
−HK$857/mo
Today · 4.125%
HK$28,832
baseline
▲ 0.50% · 4.625%
HK$30,587
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,664/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,183
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,992
−HK$822/mo
Today · 4.125%
HK$31,814
baseline
▲ 0.50% · 4.625%
HK$33,491
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,628/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,557
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,570
−HK$1,029/mo
Today · 4.125%
HK$34,599
baseline
▲ 0.50% · 4.625%
HK$36,704
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,198/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,219
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,191
−HK$985/mo
Today · 4.125%
HK$38,176
baseline
▲ 0.50% · 4.625%
HK$40,189
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,352/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,983
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,165
−HK$1,200/mo
Today · 4.125%
HK$40,365
baseline
▲ 0.50% · 4.625%
HK$42,821
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,730/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,256
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,389
−HK$1,150/mo
Today · 4.125%
HK$44,539
baseline
▲ 0.50% · 4.625%
HK$46,887
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,078/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,836
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,355
−HK$1,543/mo
Today · 4.125%
HK$51,898
baseline
▲ 0.50% · 4.625%
HK$55,056
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,796/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,329
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,786
−HK$1,478/mo
Today · 4.125%
HK$57,264
baseline
▲ 0.50% · 4.625%
HK$60,283
+HK$3,019/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,528/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,183 · Scale 2, in force from 26 Feb 2026)