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$1,689/mo
▼ 0.25% · 3.875%
HK$27,785
−HK$851/mo
Today · 4.125%
HK$28,636
baseline
▲ 0.50% · 4.625%
HK$30,379
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,272/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,978
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,782
−HK$815/mo
Today · 4.125%
HK$31,597
baseline
▲ 0.50% · 4.625%
HK$33,263
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,194/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,336
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,342
−HK$1,022/mo
Today · 4.125%
HK$34,364
baseline
▲ 0.50% · 4.625%
HK$36,454
+HK$2,090/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,728/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,973
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,938
−HK$979/mo
Today · 4.125%
HK$37,917
baseline
▲ 0.50% · 4.625%
HK$39,915
+HK$1,998/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,834/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,725
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,899
−HK$1,192/mo
Today · 4.125%
HK$40,091
baseline
▲ 0.50% · 4.625%
HK$42,530
+HK$2,439/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$80,182/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,969
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,094
−HK$1,142/mo
Today · 4.125%
HK$44,236
baseline
▲ 0.50% · 4.625%
HK$46,568
+HK$2,332/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$88,472/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,504
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,012
−HK$1,533/mo
Today · 4.125%
HK$51,545
baseline
▲ 0.50% · 4.625%
HK$54,682
+HK$3,137/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,090/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,960
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,407
−HK$1,468/mo
Today · 4.125%
HK$56,875
baseline
▲ 0.50% · 4.625%
HK$59,873
+HK$2,998/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,750/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,150 · Scale 2, in force from 26 Feb 2026)