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$26,947
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,786
−HK$851/mo
Today · 4.125%
HK$28,637
baseline
▲ 0.50% · 4.625%
HK$30,380
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,274/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,979
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,783
−HK$815/mo
Today · 4.125%
HK$31,598
baseline
▲ 0.50% · 4.625%
HK$33,264
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,196/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,337
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,343
−HK$1,022/mo
Today · 4.125%
HK$34,365
baseline
▲ 0.50% · 4.625%
HK$36,456
+HK$2,091/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,730/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,974
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,939
−HK$979/mo
Today · 4.125%
HK$37,918
baseline
▲ 0.50% · 4.625%
HK$39,917
+HK$1,999/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,836/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,726
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,900
−HK$1,192/mo
Today · 4.125%
HK$40,092
baseline
▲ 0.50% · 4.625%
HK$42,532
+HK$2,440/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$80,184/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,970
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,096
−HK$1,142/mo
Today · 4.125%
HK$44,238
baseline
▲ 0.50% · 4.625%
HK$46,570
+HK$2,332/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$88,476/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,505
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,014
−HK$1,533/mo
Today · 4.125%
HK$51,547
baseline
▲ 0.50% · 4.625%
HK$54,684
+HK$3,137/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,094/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,962
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,409
−HK$1,468/mo
Today · 4.125%
HK$56,877
baseline
▲ 0.50% · 4.625%
HK$59,875
+HK$2,998/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,754/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,165 · Scale 2, in force from 26 Feb 2026)