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$26,952
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,790
−HK$852/mo
Today · 4.125%
HK$28,642
baseline
▲ 0.50% · 4.625%
HK$30,385
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,284/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,984
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,788
−HK$816/mo
Today · 4.125%
HK$31,604
baseline
▲ 0.50% · 4.625%
HK$33,270
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,208/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,342
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,348
−HK$1,022/mo
Today · 4.125%
HK$34,370
baseline
▲ 0.50% · 4.625%
HK$36,462
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,740/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,980
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,945
−HK$979/mo
Today · 4.125%
HK$37,924
baseline
▲ 0.50% · 4.625%
HK$39,923
+HK$1,999/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,848/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,733
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,906
−HK$1,193/mo
Today · 4.125%
HK$40,099
baseline
▲ 0.50% · 4.625%
HK$42,539
+HK$2,440/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$80,198/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,977
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,103
−HK$1,142/mo
Today · 4.125%
HK$44,245
baseline
▲ 0.50% · 4.625%
HK$46,577
+HK$2,332/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$88,490/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,513
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,022
−HK$1,534/mo
Today · 4.125%
HK$51,556
baseline
▲ 0.50% · 4.625%
HK$54,693
+HK$3,137/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,112/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,971
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,418
−HK$1,469/mo
Today · 4.125%
HK$56,887
baseline
▲ 0.50% · 4.625%
HK$59,885
+HK$2,998/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,774/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,239 · Scale 2, in force from 26 Feb 2026)