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$1,702/mo
▼ 0.25% · 3.875%
HK$27,980
−HK$858/mo
Today · 4.125%
HK$28,838
baseline
▲ 0.50% · 4.625%
HK$30,592
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,676/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,189
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,998
−HK$822/mo
Today · 4.125%
HK$31,820
baseline
▲ 0.50% · 4.625%
HK$33,497
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,640/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,266 · 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$36,711
+HK$2,106/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$446,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,226
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,198
−HK$985/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$446,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,990
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,172
−HK$1,201/mo
Today · 4.125%
HK$40,373
baseline
▲ 0.50% · 4.625%
HK$42,829
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,746/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,266 · 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$46,896
+HK$2,349/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$446,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,845
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,364
−HK$1,544/mo
Today · 4.125%
HK$51,908
baseline
▲ 0.50% · 4.625%
HK$55,066
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,816/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,339
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,797
−HK$1,478/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$446,266 · Scale 2, in force from 26 Feb 2026)