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$26,974
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,813
−HK$853/mo
Today · 4.125%
HK$28,666
baseline
▲ 0.50% · 4.625%
HK$30,410
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,332/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,008
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,813
−HK$817/mo
Today · 4.125%
HK$31,630
baseline
▲ 0.50% · 4.625%
HK$33,297
+HK$1,667/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,260/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,369
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,376
−HK$1,023/mo
Today · 4.125%
HK$34,399
baseline
▲ 0.50% · 4.625%
HK$36,492
+HK$2,093/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,798/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,010
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,976
−HK$980/mo
Today · 4.125%
HK$37,956
baseline
▲ 0.50% · 4.625%
HK$39,956
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,912/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,764
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,938
−HK$1,194/mo
Today · 4.125%
HK$40,132
baseline
▲ 0.50% · 4.625%
HK$42,574
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,264/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,012
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,139
−HK$1,143/mo
Today · 4.125%
HK$44,282
baseline
▲ 0.50% · 4.625%
HK$46,616
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,564/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,553
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,064
−HK$1,534/mo
Today · 4.125%
HK$51,598
baseline
▲ 0.50% · 4.625%
HK$54,738
+HK$3,140/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,196/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,015
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,464
−HK$1,469/mo
Today · 4.125%
HK$56,933
baseline
▲ 0.50% · 4.625%
HK$59,935
+HK$3,002/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,866/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,604 · Scale 2, in force from 26 Feb 2026)