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$26,936
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,774
−HK$851/mo
Today · 4.125%
HK$28,625
baseline
▲ 0.50% · 4.625%
HK$30,367
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,250/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,966
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,770
−HK$815/mo
Today · 4.125%
HK$31,585
baseline
▲ 0.50% · 4.625%
HK$33,250
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,170/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,323
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,329
−HK$1,021/mo
Today · 4.125%
HK$34,350
baseline
▲ 0.50% · 4.625%
HK$36,441
+HK$2,091/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,700/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,959
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,924
−HK$978/mo
Today · 4.125%
HK$37,902
baseline
▲ 0.50% · 4.625%
HK$39,900
+HK$1,998/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,804/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,711
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,884
−HK$1,191/mo
Today · 4.125%
HK$40,075
baseline
▲ 0.50% · 4.625%
HK$42,514
+HK$2,439/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,150/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,953
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,078
−HK$1,141/mo
Today · 4.125%
HK$44,219
baseline
▲ 0.50% · 4.625%
HK$46,550
+HK$2,331/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,438/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,485
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,993
−HK$1,533/mo
Today · 4.125%
HK$51,526
baseline
▲ 0.50% · 4.625%
HK$54,661
+HK$3,135/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,052/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,939
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,386
−HK$1,467/mo
Today · 4.125%
HK$56,853
baseline
▲ 0.50% · 4.625%
HK$59,850
+HK$2,997/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,706/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,980 · Scale 2, in force from 26 Feb 2026)