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$26,941
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,779
−HK$851/mo
Today · 4.125%
HK$28,630
baseline
▲ 0.50% · 4.625%
HK$30,372
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,260/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,972
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,775
−HK$816/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,256
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,329
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,335
−HK$1,021/mo
Today · 4.125%
HK$34,356
baseline
▲ 0.50% · 4.625%
HK$36,447
+HK$2,091/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,712/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,966
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,930
−HK$979/mo
Today · 4.125%
HK$37,909
baseline
▲ 0.50% · 4.625%
HK$39,907
+HK$1,998/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,818/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,717
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,891
−HK$1,192/mo
Today · 4.125%
HK$40,083
baseline
▲ 0.50% · 4.625%
HK$42,521
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,166/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,960
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,086
−HK$1,141/mo
Today · 4.125%
HK$44,227
baseline
▲ 0.50% · 4.625%
HK$46,558
+HK$2,331/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,454/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,494
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,002
−HK$1,533/mo
Today · 4.125%
HK$51,535
baseline
▲ 0.50% · 4.625%
HK$54,670
+HK$3,135/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,070/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,949
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,396
−HK$1,467/mo
Today · 4.125%
HK$56,863
baseline
▲ 0.50% · 4.625%
HK$59,861
+HK$2,998/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,726/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,058 · Scale 2, in force from 26 Feb 2026)