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$26,968
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,807
−HK$852/mo
Today · 4.125%
HK$28,659
baseline
▲ 0.50% · 4.625%
HK$30,403
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,318/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,002
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,806
−HK$817/mo
Today · 4.125%
HK$31,623
baseline
▲ 0.50% · 4.625%
HK$33,289
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,246/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,362
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,368
−HK$1,023/mo
Today · 4.125%
HK$34,391
baseline
▲ 0.50% · 4.625%
HK$36,484
+HK$2,093/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,782/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,002
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,968
−HK$979/mo
Today · 4.125%
HK$37,947
baseline
▲ 0.50% · 4.625%
HK$39,947
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,894/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,755
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,930
−HK$1,193/mo
Today · 4.125%
HK$40,123
baseline
▲ 0.50% · 4.625%
HK$42,564
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,246/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,002
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,129
−HK$1,143/mo
Today · 4.125%
HK$44,272
baseline
▲ 0.50% · 4.625%
HK$46,605
+HK$2,333/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,544/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,542
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,052
−HK$1,534/mo
Today · 4.125%
HK$51,586
baseline
▲ 0.50% · 4.625%
HK$54,725
+HK$3,139/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,172/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,003
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,451
−HK$1,470/mo
Today · 4.125%
HK$56,921
baseline
▲ 0.50% · 4.625%
HK$59,921
+HK$3,000/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,842/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,504 · Scale 2, in force from 26 Feb 2026)