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$26,967
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,806
−HK$852/mo
Today · 4.125%
HK$28,658
baseline
▲ 0.50% · 4.625%
HK$30,402
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,316/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,001
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,805
−HK$817/mo
Today · 4.125%
HK$31,622
baseline
▲ 0.50% · 4.625%
HK$33,288
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,244/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,361
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,367
−HK$1,023/mo
Today · 4.125%
HK$34,390
baseline
▲ 0.50% · 4.625%
HK$36,482
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,780/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,001
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,966
−HK$980/mo
Today · 4.125%
HK$37,946
baseline
▲ 0.50% · 4.625%
HK$39,946
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,892/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,754
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,928
−HK$1,194/mo
Today · 4.125%
HK$40,122
baseline
▲ 0.50% · 4.625%
HK$42,563
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,244/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,001
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,127
−HK$1,143/mo
Today · 4.125%
HK$44,270
baseline
▲ 0.50% · 4.625%
HK$46,604
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,540/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,541
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,051
−HK$1,534/mo
Today · 4.125%
HK$51,585
baseline
▲ 0.50% · 4.625%
HK$54,724
+HK$3,139/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,170/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,001
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,450
−HK$1,469/mo
Today · 4.125%
HK$56,919
baseline
▲ 0.50% · 4.625%
HK$59,919
+HK$3,000/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,838/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,490 · Scale 2, in force from 26 Feb 2026)