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$26,978
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,817
−HK$853/mo
Today · 4.125%
HK$28,670
baseline
▲ 0.50% · 4.625%
HK$30,414
+HK$1,744/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,340/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,013
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,818
−HK$816/mo
Today · 4.125%
HK$31,634
baseline
▲ 0.50% · 4.625%
HK$33,302
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,268/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,374
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,381
−HK$1,023/mo
Today · 4.125%
HK$34,404
baseline
▲ 0.50% · 4.625%
HK$36,497
+HK$2,093/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,808/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,015
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,981
−HK$980/mo
Today · 4.125%
HK$37,961
baseline
▲ 0.50% · 4.625%
HK$39,962
+HK$2,001/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,922/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,769
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,944
−HK$1,194/mo
Today · 4.125%
HK$40,138
baseline
▲ 0.50% · 4.625%
HK$42,580
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,276/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,018
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,145
−HK$1,143/mo
Today · 4.125%
HK$44,288
baseline
▲ 0.50% · 4.625%
HK$46,622
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,576/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,560
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,071
−HK$1,534/mo
Today · 4.125%
HK$51,605
baseline
▲ 0.50% · 4.625%
HK$54,746
+HK$3,141/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,210/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,023
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,472
−HK$1,470/mo
Today · 4.125%
HK$56,942
baseline
▲ 0.50% · 4.625%
HK$59,943
+HK$3,001/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,884/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,667 · Scale 2, in force from 26 Feb 2026)