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$27,130
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$858/mo
Today · 4.125%
HK$28,832
baseline
▲ 0.50% · 4.625%
HK$30,586
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,664/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,182
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,992
−HK$821/mo
Today · 4.125%
HK$31,813
baseline
▲ 0.50% · 4.625%
HK$33,490
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,626/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,556
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,569
−HK$1,029/mo
Today · 4.125%
HK$34,598
baseline
▲ 0.50% · 4.625%
HK$36,703
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,196/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,219
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,190
−HK$985/mo
Today · 4.125%
HK$38,175
baseline
▲ 0.50% · 4.625%
HK$40,188
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,350/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,982
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,164
−HK$1,200/mo
Today · 4.125%
HK$40,364
baseline
▲ 0.50% · 4.625%
HK$42,820
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,728/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,255
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,388
−HK$1,150/mo
Today · 4.125%
HK$44,538
baseline
▲ 0.50% · 4.625%
HK$46,886
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,076/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,835
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,354
−HK$1,543/mo
Today · 4.125%
HK$51,897
baseline
▲ 0.50% · 4.625%
HK$55,055
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,794/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,328
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,785
−HK$1,478/mo
Today · 4.125%
HK$57,263
baseline
▲ 0.50% · 4.625%
HK$60,282
+HK$3,019/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,526/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,173 · Scale 2, in force from 26 Feb 2026)