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$26,966
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,805
−HK$852/mo
Today · 4.125%
HK$28,657
baseline
▲ 0.50% · 4.625%
HK$30,401
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,314/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,000
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,804
−HK$817/mo
Today · 4.125%
HK$31,621
baseline
▲ 0.50% · 4.625%
HK$33,287
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,242/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,360
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,366
−HK$1,023/mo
Today · 4.125%
HK$34,389
baseline
▲ 0.50% · 4.625%
HK$36,481
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,778/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,000
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,965
−HK$980/mo
Today · 4.125%
HK$37,945
baseline
▲ 0.50% · 4.625%
HK$39,945
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,890/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,753
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,927
−HK$1,193/mo
Today · 4.125%
HK$40,120
baseline
▲ 0.50% · 4.625%
HK$42,562
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,240/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,000
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,126
−HK$1,143/mo
Today · 4.125%
HK$44,269
baseline
▲ 0.50% · 4.625%
HK$46,602
+HK$2,333/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,538/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,539
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,049
−HK$1,534/mo
Today · 4.125%
HK$51,583
baseline
▲ 0.50% · 4.625%
HK$54,722
+HK$3,139/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,166/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,000
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,448
−HK$1,469/mo
Today · 4.125%
HK$56,917
baseline
▲ 0.50% · 4.625%
HK$59,917
+HK$3,000/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,834/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,476 · Scale 2, in force from 26 Feb 2026)