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$27,144
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,988
−HK$858/mo
Today · 4.125%
HK$28,846
baseline
▲ 0.50% · 4.625%
HK$30,602
+HK$1,756/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,692/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,198
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,007
−HK$822/mo
Today · 4.125%
HK$31,829
baseline
▲ 0.50% · 4.625%
HK$33,507
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,658/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,573
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,586
−HK$1,030/mo
Today · 4.125%
HK$34,616
baseline
▲ 0.50% · 4.625%
HK$36,722
+HK$2,106/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,232/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,237
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,209
−HK$986/mo
Today · 4.125%
HK$38,195
baseline
▲ 0.50% · 4.625%
HK$40,208
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,390/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,002
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,184
−HK$1,201/mo
Today · 4.125%
HK$40,385
baseline
▲ 0.50% · 4.625%
HK$42,842
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,770/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,277
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,410
−HK$1,151/mo
Today · 4.125%
HK$44,561
baseline
▲ 0.50% · 4.625%
HK$46,910
+HK$2,349/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,122/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,859
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,379
−HK$1,544/mo
Today · 4.125%
HK$51,923
baseline
▲ 0.50% · 4.625%
HK$55,083
+HK$3,160/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,846/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,356
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,813
−HK$1,479/mo
Today · 4.125%
HK$57,292
baseline
▲ 0.50% · 4.625%
HK$60,312
+HK$3,020/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,584/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,400 · Scale 2, in force from 26 Feb 2026)