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$27,139
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,984
−HK$857/mo
Today · 4.125%
HK$28,841
baseline
▲ 0.50% · 4.625%
HK$30,596
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,682/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,192
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,002
−HK$821/mo
Today · 4.125%
HK$31,823
baseline
▲ 0.50% · 4.625%
HK$33,501
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,646/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,567
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,580
−HK$1,029/mo
Today · 4.125%
HK$34,609
baseline
▲ 0.50% · 4.625%
HK$36,715
+HK$2,106/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,218/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,231
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,202
−HK$986/mo
Today · 4.125%
HK$38,188
baseline
▲ 0.50% · 4.625%
HK$40,201
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,376/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,995
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,177
−HK$1,201/mo
Today · 4.125%
HK$40,378
baseline
▲ 0.50% · 4.625%
HK$42,835
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,756/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,269
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,403
−HK$1,150/mo
Today · 4.125%
HK$44,553
baseline
▲ 0.50% · 4.625%
HK$46,901
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,106/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,851
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,370
−HK$1,544/mo
Today · 4.125%
HK$51,914
baseline
▲ 0.50% · 4.625%
HK$55,073
+HK$3,159/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,828/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,346
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,804
−HK$1,478/mo
Today · 4.125%
HK$57,282
baseline
▲ 0.50% · 4.625%
HK$60,302
+HK$3,020/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,564/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,321 · Scale 2, in force from 26 Feb 2026)