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$26,964
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,803
−HK$852/mo
Today · 4.125%
HK$28,655
baseline
▲ 0.50% · 4.625%
HK$30,398
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,310/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,997
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,802
−HK$816/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,284
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,357
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,363
−HK$1,023/mo
Today · 4.125%
HK$34,386
baseline
▲ 0.50% · 4.625%
HK$36,478
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,772/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,996
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,962
−HK$979/mo
Today · 4.125%
HK$37,941
baseline
▲ 0.50% · 4.625%
HK$39,941
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,882/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,749
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,924
−HK$1,193/mo
Today · 4.125%
HK$40,117
baseline
▲ 0.50% · 4.625%
HK$42,558
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,234/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,996
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,122
−HK$1,143/mo
Today · 4.125%
HK$44,265
baseline
▲ 0.50% · 4.625%
HK$46,598
+HK$2,333/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,530/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,535
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,045
−HK$1,533/mo
Today · 4.125%
HK$51,578
baseline
▲ 0.50% · 4.625%
HK$54,717
+HK$3,139/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,156/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,995
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,443
−HK$1,469/mo
Today · 4.125%
HK$56,912
baseline
▲ 0.50% · 4.625%
HK$59,912
+HK$3,000/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,824/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,435 · Scale 2, in force from 26 Feb 2026)