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$27,135
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,979
−HK$858/mo
Today · 4.125%
HK$28,837
baseline
▲ 0.50% · 4.625%
HK$30,591
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,674/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,187
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,997
−HK$821/mo
Today · 4.125%
HK$31,818
baseline
▲ 0.50% · 4.625%
HK$33,495
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,636/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,562
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,575
−HK$1,029/mo
Today · 4.125%
HK$34,604
baseline
▲ 0.50% · 4.625%
HK$36,709
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,208/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,225
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,196
−HK$986/mo
Today · 4.125%
HK$38,182
baseline
▲ 0.50% · 4.625%
HK$40,195
+HK$2,013/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,364/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,989
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,171
−HK$1,200/mo
Today · 4.125%
HK$40,371
baseline
▲ 0.50% · 4.625%
HK$42,828
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,742/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,262
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,396
−HK$1,150/mo
Today · 4.125%
HK$44,546
baseline
▲ 0.50% · 4.625%
HK$46,894
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,092/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,843
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,362
−HK$1,544/mo
Today · 4.125%
HK$51,906
baseline
▲ 0.50% · 4.625%
HK$55,064
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,812/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,337
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,795
−HK$1,478/mo
Today · 4.125%
HK$57,273
baseline
▲ 0.50% · 4.625%
HK$60,292
+HK$3,019/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,546/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,249 · Scale 2, in force from 26 Feb 2026)