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$27,157
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,002
−HK$858/mo
Today · 4.125%
HK$28,860
baseline
▲ 0.50% · 4.625%
HK$30,616
+HK$1,756/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,720/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,212
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,022
−HK$822/mo
Today · 4.125%
HK$31,844
baseline
▲ 0.50% · 4.625%
HK$33,523
+HK$1,679/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,688/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,589
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,602
−HK$1,030/mo
Today · 4.125%
HK$34,632
baseline
▲ 0.50% · 4.625%
HK$36,740
+HK$2,108/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$69,264/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,255
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,227
−HK$986/mo
Today · 4.125%
HK$38,213
baseline
▲ 0.50% · 4.625%
HK$40,228
+HK$2,015/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$76,426/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,020
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,203
−HK$1,201/mo
Today · 4.125%
HK$40,404
baseline
▲ 0.50% · 4.625%
HK$42,863
+HK$2,459/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,808/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,297
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,431
−HK$1,151/mo
Today · 4.125%
HK$44,582
baseline
▲ 0.50% · 4.625%
HK$46,932
+HK$2,350/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,164/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,883
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,404
−HK$1,544/mo
Today · 4.125%
HK$51,948
baseline
▲ 0.50% · 4.625%
HK$55,109
+HK$3,161/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,896/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,382
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,840
−HK$1,480/mo
Today · 4.125%
HK$57,320
baseline
▲ 0.50% · 4.625%
HK$60,341
+HK$3,021/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,640/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,616 · Scale 2, in force from 26 Feb 2026)