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$26,971
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,810
−HK$852/mo
Today · 4.125%
HK$28,662
baseline
▲ 0.50% · 4.625%
HK$30,406
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,324/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,005
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,809
−HK$817/mo
Today · 4.125%
HK$31,626
baseline
▲ 0.50% · 4.625%
HK$33,293
+HK$1,667/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,252/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,365
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,372
−HK$1,022/mo
Today · 4.125%
HK$34,394
baseline
▲ 0.50% · 4.625%
HK$36,487
+HK$2,093/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,788/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,006
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,971
−HK$980/mo
Today · 4.125%
HK$37,951
baseline
▲ 0.50% · 4.625%
HK$39,951
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,902/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,759
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,934
−HK$1,193/mo
Today · 4.125%
HK$40,127
baseline
▲ 0.50% · 4.625%
HK$42,569
+HK$2,442/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,254/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,007
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,133
−HK$1,143/mo
Today · 4.125%
HK$44,276
baseline
▲ 0.50% · 4.625%
HK$46,610
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,552/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,547
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,057
−HK$1,535/mo
Today · 4.125%
HK$51,592
baseline
▲ 0.50% · 4.625%
HK$54,731
+HK$3,139/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,184/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,008
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,457
−HK$1,469/mo
Today · 4.125%
HK$56,926
baseline
▲ 0.50% · 4.625%
HK$59,927
+HK$3,001/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,852/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,549 · Scale 2, in force from 26 Feb 2026)