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$26,965
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,804
−HK$852/mo
Today · 4.125%
HK$28,656
baseline
▲ 0.50% · 4.625%
HK$30,400
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,312/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,999
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,803
−HK$817/mo
Today · 4.125%
HK$31,620
baseline
▲ 0.50% · 4.625%
HK$33,286
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,240/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,359
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,365
−HK$1,023/mo
Today · 4.125%
HK$34,388
baseline
▲ 0.50% · 4.625%
HK$36,480
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,776/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,999
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,964
−HK$979/mo
Today · 4.125%
HK$37,943
baseline
▲ 0.50% · 4.625%
HK$39,943
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,886/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,752
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,926
−HK$1,193/mo
Today · 4.125%
HK$40,119
baseline
▲ 0.50% · 4.625%
HK$42,560
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,238/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,998
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,125
−HK$1,142/mo
Today · 4.125%
HK$44,267
baseline
▲ 0.50% · 4.625%
HK$46,601
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,534/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,538
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,048
−HK$1,534/mo
Today · 4.125%
HK$51,582
baseline
▲ 0.50% · 4.625%
HK$54,720
+HK$3,138/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,164/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,998
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,446
−HK$1,469/mo
Today · 4.125%
HK$56,915
baseline
▲ 0.50% · 4.625%
HK$59,915
+HK$3,000/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,830/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,461 · Scale 2, in force from 26 Feb 2026)