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$27,150
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,994
−HK$858/mo
Today · 4.125%
HK$28,852
baseline
▲ 0.50% · 4.625%
HK$30,608
+HK$1,756/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,704/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,204
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,014
−HK$822/mo
Today · 4.125%
HK$31,836
baseline
▲ 0.50% · 4.625%
HK$33,514
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,672/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,580
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,593
−HK$1,030/mo
Today · 4.125%
HK$34,623
baseline
▲ 0.50% · 4.625%
HK$36,730
+HK$2,107/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,246/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,245
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,217
−HK$986/mo
Today · 4.125%
HK$38,203
baseline
▲ 0.50% · 4.625%
HK$40,217
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,406/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,010
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,192
−HK$1,201/mo
Today · 4.125%
HK$40,393
baseline
▲ 0.50% · 4.625%
HK$42,851
+HK$2,458/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,786/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,286
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,420
−HK$1,150/mo
Today · 4.125%
HK$44,570
baseline
▲ 0.50% · 4.625%
HK$46,919
+HK$2,349/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,140/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,870
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,390
−HK$1,544/mo
Today · 4.125%
HK$51,934
baseline
▲ 0.50% · 4.625%
HK$55,094
+HK$3,160/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,868/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,367
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,825
−HK$1,479/mo
Today · 4.125%
HK$57,304
baseline
▲ 0.50% · 4.625%
HK$60,325
+HK$3,021/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,608/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,494 · Scale 2, in force from 26 Feb 2026)