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$27,129
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$858/mo
Today · 4.125%
HK$28,830
baseline
▲ 0.50% · 4.625%
HK$30,584
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,660/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,180
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,990
−HK$821/mo
Today · 4.125%
HK$31,811
baseline
▲ 0.50% · 4.625%
HK$33,488
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,622/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$446,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,554
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,567
−HK$1,029/mo
Today · 4.125%
HK$34,596
baseline
▲ 0.50% · 4.625%
HK$36,701
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,192/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,216
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,188
−HK$985/mo
Today · 4.125%
HK$38,173
baseline
▲ 0.50% · 4.625%
HK$40,185
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,346/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,980
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,161
−HK$1,201/mo
Today · 4.125%
HK$40,362
baseline
▲ 0.50% · 4.625%
HK$42,818
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,724/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,252
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,386
−HK$1,149/mo
Today · 4.125%
HK$44,535
baseline
▲ 0.50% · 4.625%
HK$46,883
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,070/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,831
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,350
−HK$1,544/mo
Today · 4.125%
HK$51,894
baseline
▲ 0.50% · 4.625%
HK$55,051
+HK$3,157/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,788/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,324
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,781
−HK$1,478/mo
Today · 4.125%
HK$57,259
baseline
▲ 0.50% · 4.625%
HK$60,278
+HK$3,019/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,518/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,143 · Scale 2, in force from 26 Feb 2026)