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$26,933
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,771
−HK$851/mo
Today · 4.125%
HK$28,622
baseline
▲ 0.50% · 4.625%
HK$30,364
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,244/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,963
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,767
−HK$815/mo
Today · 4.125%
HK$31,582
baseline
▲ 0.50% · 4.625%
HK$33,247
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,164/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,320
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,325
−HK$1,022/mo
Today · 4.125%
HK$34,347
baseline
▲ 0.50% · 4.625%
HK$36,437
+HK$2,090/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$68,694/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,956
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,920
−HK$978/mo
Today · 4.125%
HK$37,898
baseline
▲ 0.50% · 4.625%
HK$39,896
+HK$1,998/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$75,796/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,707
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,880
−HK$1,191/mo
Today · 4.125%
HK$40,071
baseline
▲ 0.50% · 4.625%
HK$42,509
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,142/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,948
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,073
−HK$1,142/mo
Today · 4.125%
HK$44,215
baseline
▲ 0.50% · 4.625%
HK$46,545
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,430/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,480
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,988
−HK$1,532/mo
Today · 4.125%
HK$51,520
baseline
▲ 0.50% · 4.625%
HK$54,655
+HK$3,135/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,040/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,934
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,380
−HK$1,467/mo
Today · 4.125%
HK$56,847
baseline
▲ 0.50% · 4.625%
HK$59,844
+HK$2,997/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,694/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,933 · Scale 2, in force from 26 Feb 2026)