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$27,140
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,984
−HK$858/mo
Today · 4.125%
HK$28,842
baseline
▲ 0.50% · 4.625%
HK$30,597
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,684/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,193
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,003
−HK$821/mo
Today · 4.125%
HK$31,824
baseline
▲ 0.50% · 4.625%
HK$33,502
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,648/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,568
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,581
−HK$1,029/mo
Today · 4.125%
HK$34,610
baseline
▲ 0.50% · 4.625%
HK$36,716
+HK$2,106/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,220/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,232
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,203
−HK$986/mo
Today · 4.125%
HK$38,189
baseline
▲ 0.50% · 4.625%
HK$40,202
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,378/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,996
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,178
−HK$1,201/mo
Today · 4.125%
HK$40,379
baseline
▲ 0.50% · 4.625%
HK$42,836
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,758/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,270
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,404
−HK$1,150/mo
Today · 4.125%
HK$44,554
baseline
▲ 0.50% · 4.625%
HK$46,903
+HK$2,349/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,108/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,852
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,372
−HK$1,544/mo
Today · 4.125%
HK$51,916
baseline
▲ 0.50% · 4.625%
HK$55,075
+HK$3,159/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,832/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,348
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,805
−HK$1,479/mo
Today · 4.125%
HK$57,284
baseline
▲ 0.50% · 4.625%
HK$60,303
+HK$3,019/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,568/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,333 · Scale 2, in force from 26 Feb 2026)