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$26,963
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,802
−HK$852/mo
Today · 4.125%
HK$28,654
baseline
▲ 0.50% · 4.625%
HK$30,397
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,308/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,996
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,800
−HK$817/mo
Today · 4.125%
HK$31,617
baseline
▲ 0.50% · 4.625%
HK$33,283
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,234/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,355
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,362
−HK$1,022/mo
Today · 4.125%
HK$34,384
baseline
▲ 0.50% · 4.625%
HK$36,477
+HK$2,093/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,768/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,995
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,960
−HK$980/mo
Today · 4.125%
HK$37,940
baseline
▲ 0.50% · 4.625%
HK$39,940
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,880/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,748
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,922
−HK$1,193/mo
Today · 4.125%
HK$40,115
baseline
▲ 0.50% · 4.625%
HK$42,556
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,230/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,994
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,121
−HK$1,142/mo
Today · 4.125%
HK$44,263
baseline
▲ 0.50% · 4.625%
HK$46,596
+HK$2,333/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,526/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,533
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,043
−HK$1,534/mo
Today · 4.125%
HK$51,577
baseline
▲ 0.50% · 4.625%
HK$54,715
+HK$3,138/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,154/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,993
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,441
−HK$1,469/mo
Today · 4.125%
HK$56,910
baseline
▲ 0.50% · 4.625%
HK$59,910
+HK$3,000/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,820/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,419 · Scale 2, in force from 26 Feb 2026)