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$26,940
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,778
−HK$851/mo
Today · 4.125%
HK$28,629
baseline
▲ 0.50% · 4.625%
HK$30,371
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,258/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,970
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,774
−HK$815/mo
Today · 4.125%
HK$31,589
baseline
▲ 0.50% · 4.625%
HK$33,254
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,178/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,328
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,333
−HK$1,022/mo
Today · 4.125%
HK$34,355
baseline
▲ 0.50% · 4.625%
HK$36,445
+HK$2,090/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,710/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,964
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,929
−HK$978/mo
Today · 4.125%
HK$37,907
baseline
▲ 0.50% · 4.625%
HK$39,905
+HK$1,998/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,814/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,716
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,889
−HK$1,192/mo
Today · 4.125%
HK$40,081
baseline
▲ 0.50% · 4.625%
HK$42,520
+HK$2,439/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,162/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,958
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,084
−HK$1,141/mo
Today · 4.125%
HK$44,225
baseline
▲ 0.50% · 4.625%
HK$46,556
+HK$2,331/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,450/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,491
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,000
−HK$1,532/mo
Today · 4.125%
HK$51,532
baseline
▲ 0.50% · 4.625%
HK$54,668
+HK$3,136/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,064/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,946
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,393
−HK$1,468/mo
Today · 4.125%
HK$56,861
baseline
▲ 0.50% · 4.625%
HK$59,858
+HK$2,997/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,722/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,038 · Scale 2, in force from 26 Feb 2026)