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$26,966
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,805
−HK$852/mo
Today · 4.125%
HK$28,657
baseline
▲ 0.50% · 4.625%
HK$30,401
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,314/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,999
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,804
−HK$816/mo
Today · 4.125%
HK$31,620
baseline
▲ 0.50% · 4.625%
HK$33,287
+HK$1,667/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$443,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,359
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,366
−HK$1,022/mo
Today · 4.125%
HK$34,388
baseline
▲ 0.50% · 4.625%
HK$36,481
+HK$2,093/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$443,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,999
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,965
−HK$979/mo
Today · 4.125%
HK$37,944
baseline
▲ 0.50% · 4.625%
HK$39,944
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,888/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,752
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,927
−HK$1,193/mo
Today · 4.125%
HK$40,120
baseline
▲ 0.50% · 4.625%
HK$42,561
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,240/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,999
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,125
−HK$1,143/mo
Today · 4.125%
HK$44,268
baseline
▲ 0.50% · 4.625%
HK$46,601
+HK$2,333/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,536/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,539
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,048
−HK$1,534/mo
Today · 4.125%
HK$51,582
baseline
▲ 0.50% · 4.625%
HK$54,721
+HK$3,139/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$443,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,999
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,447
−HK$1,469/mo
Today · 4.125%
HK$56,916
baseline
▲ 0.50% · 4.625%
HK$59,916
+HK$3,000/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,832/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,468 · Scale 2, in force from 26 Feb 2026)