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$1,690/mo
▼ 0.25% · 3.875%
HK$27,803
−HK$852/mo
Today · 4.125%
HK$28,655
baseline
▲ 0.50% · 4.625%
HK$30,399
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,310/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,998
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,802
−HK$816/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,285
+HK$1,667/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,357
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,364
−HK$1,023/mo
Today · 4.125%
HK$34,387
baseline
▲ 0.50% · 4.625%
HK$36,479
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,774/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,997
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,963
−HK$979/mo
Today · 4.125%
HK$37,942
baseline
▲ 0.50% · 4.625%
HK$39,942
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,884/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,750
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,925
−HK$1,193/mo
Today · 4.125%
HK$40,118
baseline
▲ 0.50% · 4.625%
HK$42,559
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,236/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,997
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,123
−HK$1,143/mo
Today · 4.125%
HK$44,266
baseline
▲ 0.50% · 4.625%
HK$46,599
+HK$2,333/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,532/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,536
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,046
−HK$1,534/mo
Today · 4.125%
HK$51,580
baseline
▲ 0.50% · 4.625%
HK$54,718
+HK$3,138/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,160/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,996
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,444
−HK$1,469/mo
Today · 4.125%
HK$56,913
baseline
▲ 0.50% · 4.625%
HK$59,913
+HK$3,000/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,826/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,446 · Scale 2, in force from 26 Feb 2026)