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$26,969
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,808
−HK$852/mo
Today · 4.125%
HK$28,660
baseline
▲ 0.50% · 4.625%
HK$30,404
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,320/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,003
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,808
−HK$816/mo
Today · 4.125%
HK$31,624
baseline
▲ 0.50% · 4.625%
HK$33,291
+HK$1,667/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,248/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,363
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,370
−HK$1,022/mo
Today · 4.125%
HK$34,392
baseline
▲ 0.50% · 4.625%
HK$36,485
+HK$2,093/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,784/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,004
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,969
−HK$980/mo
Today · 4.125%
HK$37,949
baseline
▲ 0.50% · 4.625%
HK$39,949
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,898/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,757
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,931
−HK$1,194/mo
Today · 4.125%
HK$40,125
baseline
▲ 0.50% · 4.625%
HK$42,566
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,250/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,004
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,131
−HK$1,142/mo
Today · 4.125%
HK$44,273
baseline
▲ 0.50% · 4.625%
HK$46,607
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,546/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,544
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,055
−HK$1,534/mo
Today · 4.125%
HK$51,589
baseline
▲ 0.50% · 4.625%
HK$54,728
+HK$3,139/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,178/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,005
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,454
−HK$1,469/mo
Today · 4.125%
HK$56,923
baseline
▲ 0.50% · 4.625%
HK$59,923
+HK$3,000/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,846/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,522 · Scale 2, in force from 26 Feb 2026)