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$26,961
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,800
−HK$852/mo
Today · 4.125%
HK$28,652
baseline
▲ 0.50% · 4.625%
HK$30,396
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,304/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,994
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,799
−HK$816/mo
Today · 4.125%
HK$31,615
baseline
▲ 0.50% · 4.625%
HK$33,281
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,230/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,354
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,360
−HK$1,023/mo
Today · 4.125%
HK$34,383
baseline
▲ 0.50% · 4.625%
HK$36,475
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,766/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,993
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,958
−HK$980/mo
Today · 4.125%
HK$37,938
baseline
▲ 0.50% · 4.625%
HK$39,938
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,876/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,746
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,920
−HK$1,193/mo
Today · 4.125%
HK$40,113
baseline
▲ 0.50% · 4.625%
HK$42,554
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,226/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,992
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,118
−HK$1,143/mo
Today · 4.125%
HK$44,261
baseline
▲ 0.50% · 4.625%
HK$46,594
+HK$2,333/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,522/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,531
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,040
−HK$1,534/mo
Today · 4.125%
HK$51,574
baseline
▲ 0.50% · 4.625%
HK$54,712
+HK$3,138/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,148/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,990
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,438
−HK$1,469/mo
Today · 4.125%
HK$56,907
baseline
▲ 0.50% · 4.625%
HK$59,906
+HK$2,999/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,814/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,395 · Scale 2, in force from 26 Feb 2026)