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$26,950
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,789
−HK$851/mo
Today · 4.125%
HK$28,640
baseline
▲ 0.50% · 4.625%
HK$30,383
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,280/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,982
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,786
−HK$816/mo
Today · 4.125%
HK$31,602
baseline
▲ 0.50% · 4.625%
HK$33,268
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,204/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,341
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,347
−HK$1,022/mo
Today · 4.125%
HK$34,369
baseline
▲ 0.50% · 4.625%
HK$36,460
+HK$2,091/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,738/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,979
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,943
−HK$979/mo
Today · 4.125%
HK$37,922
baseline
▲ 0.50% · 4.625%
HK$39,921
+HK$1,999/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,844/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,731
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,904
−HK$1,193/mo
Today · 4.125%
HK$40,097
baseline
▲ 0.50% · 4.625%
HK$42,536
+HK$2,439/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$80,194/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,975
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,101
−HK$1,142/mo
Today · 4.125%
HK$44,243
baseline
▲ 0.50% · 4.625%
HK$46,575
+HK$2,332/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$88,486/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,511
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,020
−HK$1,533/mo
Today · 4.125%
HK$51,553
baseline
▲ 0.50% · 4.625%
HK$54,690
+HK$3,137/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,106/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,968
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,415
−HK$1,469/mo
Today · 4.125%
HK$56,884
baseline
▲ 0.50% · 4.625%
HK$59,882
+HK$2,998/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,768/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,215 · Scale 2, in force from 26 Feb 2026)