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$26,973
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,812
−HK$852/mo
Today · 4.125%
HK$28,664
baseline
▲ 0.50% · 4.625%
HK$30,408
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,328/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,007
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,812
−HK$816/mo
Today · 4.125%
HK$31,628
baseline
▲ 0.50% · 4.625%
HK$33,295
+HK$1,667/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,256/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,367
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,374
−HK$1,023/mo
Today · 4.125%
HK$34,397
baseline
▲ 0.50% · 4.625%
HK$36,490
+HK$2,093/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,794/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,008
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,974
−HK$980/mo
Today · 4.125%
HK$37,954
baseline
▲ 0.50% · 4.625%
HK$39,954
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,908/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,762
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,937
−HK$1,193/mo
Today · 4.125%
HK$40,130
baseline
▲ 0.50% · 4.625%
HK$42,572
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,260/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,010
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,136
−HK$1,143/mo
Today · 4.125%
HK$44,279
baseline
▲ 0.50% · 4.625%
HK$46,613
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,558/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,551
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,061
−HK$1,535/mo
Today · 4.125%
HK$51,596
baseline
▲ 0.50% · 4.625%
HK$54,735
+HK$3,139/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,192/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,013
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,461
−HK$1,470/mo
Today · 4.125%
HK$56,931
baseline
▲ 0.50% · 4.625%
HK$59,932
+HK$3,001/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,862/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,582 · Scale 2, in force from 26 Feb 2026)