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$27,149
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,993
−HK$858/mo
Today · 4.125%
HK$28,851
baseline
▲ 0.50% · 4.625%
HK$30,607
+HK$1,756/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,702/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,203
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,013
−HK$821/mo
Today · 4.125%
HK$31,834
baseline
▲ 0.50% · 4.625%
HK$33,512
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,668/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,578
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,592
−HK$1,029/mo
Today · 4.125%
HK$34,621
baseline
▲ 0.50% · 4.625%
HK$36,728
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,242/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,243
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,215
−HK$986/mo
Today · 4.125%
HK$38,201
baseline
▲ 0.50% · 4.625%
HK$40,215
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,402/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,008
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,191
−HK$1,201/mo
Today · 4.125%
HK$40,392
baseline
▲ 0.50% · 4.625%
HK$42,849
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,784/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,284
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,418
−HK$1,150/mo
Today · 4.125%
HK$44,568
baseline
▲ 0.50% · 4.625%
HK$46,917
+HK$2,349/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,136/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,868
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,388
−HK$1,544/mo
Today · 4.125%
HK$51,932
baseline
▲ 0.50% · 4.625%
HK$55,092
+HK$3,160/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,864/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,365
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,823
−HK$1,479/mo
Today · 4.125%
HK$57,302
baseline
▲ 0.50% · 4.625%
HK$60,322
+HK$3,020/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,604/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,476 · Scale 2, in force from 26 Feb 2026)