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$26,949
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,787
−HK$852/mo
Today · 4.125%
HK$28,639
baseline
▲ 0.50% · 4.625%
HK$30,382
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,278/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,981
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,785
−HK$815/mo
Today · 4.125%
HK$31,600
baseline
▲ 0.50% · 4.625%
HK$33,266
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,200/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,339
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,345
−HK$1,022/mo
Today · 4.125%
HK$34,367
baseline
▲ 0.50% · 4.625%
HK$36,458
+HK$2,091/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,734/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,977
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,942
−HK$979/mo
Today · 4.125%
HK$37,921
baseline
▲ 0.50% · 4.625%
HK$39,919
+HK$1,998/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,842/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,729
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,902
−HK$1,193/mo
Today · 4.125%
HK$40,095
baseline
▲ 0.50% · 4.625%
HK$42,534
+HK$2,439/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$80,190/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,973
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,099
−HK$1,142/mo
Today · 4.125%
HK$44,241
baseline
▲ 0.50% · 4.625%
HK$46,573
+HK$2,332/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$88,482/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,509
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,017
−HK$1,533/mo
Today · 4.125%
HK$51,550
baseline
▲ 0.50% · 4.625%
HK$54,687
+HK$3,137/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,100/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,965
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,413
−HK$1,468/mo
Today · 4.125%
HK$56,881
baseline
▲ 0.50% · 4.625%
HK$59,879
+HK$2,998/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,762/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,194 · Scale 2, in force from 26 Feb 2026)