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$26,932
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,769
−HK$851/mo
Today · 4.125%
HK$28,620
baseline
▲ 0.50% · 4.625%
HK$30,362
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,240/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,961
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,765
−HK$815/mo
Today · 4.125%
HK$31,580
baseline
▲ 0.50% · 4.625%
HK$33,244
+HK$1,664/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,160/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,318
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,323
−HK$1,021/mo
Today · 4.125%
HK$34,344
baseline
▲ 0.50% · 4.625%
HK$36,434
+HK$2,090/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$68,688/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,953
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,918
−HK$978/mo
Today · 4.125%
HK$37,896
baseline
▲ 0.50% · 4.625%
HK$39,893
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$75,792/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,704
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,877
−HK$1,192/mo
Today · 4.125%
HK$40,069
baseline
▲ 0.50% · 4.625%
HK$42,507
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,138/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,945
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,070
−HK$1,142/mo
Today · 4.125%
HK$44,212
baseline
▲ 0.50% · 4.625%
HK$46,542
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,424/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,477
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,985
−HK$1,532/mo
Today · 4.125%
HK$51,517
baseline
▲ 0.50% · 4.625%
HK$54,651
+HK$3,134/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,034/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,930
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,376
−HK$1,468/mo
Today · 4.125%
HK$56,844
baseline
▲ 0.50% · 4.625%
HK$59,840
+HK$2,996/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,688/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,904 · Scale 2, in force from 26 Feb 2026)