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$26,975
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,814
−HK$852/mo
Today · 4.125%
HK$28,666
baseline
▲ 0.50% · 4.625%
HK$30,411
+HK$1,745/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,332/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,009
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,814
−HK$816/mo
Today · 4.125%
HK$31,630
baseline
▲ 0.50% · 4.625%
HK$33,298
+HK$1,668/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,260/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,370
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,377
−HK$1,023/mo
Today · 4.125%
HK$34,400
baseline
▲ 0.50% · 4.625%
HK$36,493
+HK$2,093/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,800/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,011
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,977
−HK$979/mo
Today · 4.125%
HK$37,956
baseline
▲ 0.50% · 4.625%
HK$39,957
+HK$2,001/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,912/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,765
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,939
−HK$1,194/mo
Today · 4.125%
HK$40,133
baseline
▲ 0.50% · 4.625%
HK$42,575
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,266/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,013
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,139
−HK$1,144/mo
Today · 4.125%
HK$44,283
baseline
▲ 0.50% · 4.625%
HK$46,617
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,566/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,554
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,065
−HK$1,534/mo
Today · 4.125%
HK$51,599
baseline
▲ 0.50% · 4.625%
HK$54,739
+HK$3,140/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,198/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,016
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,465
−HK$1,470/mo
Today · 4.125%
HK$56,935
baseline
▲ 0.50% · 4.625%
HK$59,936
+HK$3,001/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,870/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,613 · Scale 2, in force from 26 Feb 2026)