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$26,935
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,773
−HK$851/mo
Today · 4.125%
HK$28,624
baseline
▲ 0.50% · 4.625%
HK$30,366
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,248/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,965
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,769
−HK$815/mo
Today · 4.125%
HK$31,584
baseline
▲ 0.50% · 4.625%
HK$33,249
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,168/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,322
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,328
−HK$1,021/mo
Today · 4.125%
HK$34,349
baseline
▲ 0.50% · 4.625%
HK$36,439
+HK$2,090/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$68,698/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,958
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,923
−HK$978/mo
Today · 4.125%
HK$37,901
baseline
▲ 0.50% · 4.625%
HK$39,899
+HK$1,998/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$75,802/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,709
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,882
−HK$1,192/mo
Today · 4.125%
HK$40,074
baseline
▲ 0.50% · 4.625%
HK$42,512
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,148/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,951
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,076
−HK$1,142/mo
Today · 4.125%
HK$44,218
baseline
▲ 0.50% · 4.625%
HK$46,548
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,436/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,483
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,991
−HK$1,533/mo
Today · 4.125%
HK$51,524
baseline
▲ 0.50% · 4.625%
HK$54,659
+HK$3,135/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,048/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,937
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,384
−HK$1,467/mo
Today · 4.125%
HK$56,851
baseline
▲ 0.50% · 4.625%
HK$59,848
+HK$2,997/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,702/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,964 · Scale 2, in force from 26 Feb 2026)