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$26,970
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,809
−HK$852/mo
Today · 4.125%
HK$28,661
baseline
▲ 0.50% · 4.625%
HK$30,405
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,322/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,003
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,808
−HK$816/mo
Today · 4.125%
HK$31,624
baseline
▲ 0.50% · 4.625%
HK$33,291
+HK$1,667/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,248/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,364
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,370
−HK$1,023/mo
Today · 4.125%
HK$34,393
baseline
▲ 0.50% · 4.625%
HK$36,486
+HK$2,093/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,786/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,004
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,970
−HK$979/mo
Today · 4.125%
HK$37,949
baseline
▲ 0.50% · 4.625%
HK$39,950
+HK$2,001/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,898/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,758
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,932
−HK$1,193/mo
Today · 4.125%
HK$40,125
baseline
▲ 0.50% · 4.625%
HK$42,567
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,250/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,005
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,131
−HK$1,143/mo
Today · 4.125%
HK$44,274
baseline
▲ 0.50% · 4.625%
HK$46,608
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,548/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,545
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,055
−HK$1,535/mo
Today · 4.125%
HK$51,590
baseline
▲ 0.50% · 4.625%
HK$54,729
+HK$3,139/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,180/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,006
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,455
−HK$1,469/mo
Today · 4.125%
HK$56,924
baseline
▲ 0.50% · 4.625%
HK$59,925
+HK$3,001/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,848/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,531 · Scale 2, in force from 26 Feb 2026)