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$26,941
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,779
−HK$852/mo
Today · 4.125%
HK$28,631
baseline
▲ 0.50% · 4.625%
HK$30,373
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,262/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,972
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,776
−HK$815/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,256
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,330
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,335
−HK$1,022/mo
Today · 4.125%
HK$34,357
baseline
▲ 0.50% · 4.625%
HK$36,447
+HK$2,090/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,714/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,966
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,931
−HK$978/mo
Today · 4.125%
HK$37,909
baseline
▲ 0.50% · 4.625%
HK$39,908
+HK$1,999/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,818/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,718
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,891
−HK$1,192/mo
Today · 4.125%
HK$40,083
baseline
▲ 0.50% · 4.625%
HK$42,522
+HK$2,439/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,166/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,961
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,086
−HK$1,142/mo
Today · 4.125%
HK$44,228
baseline
▲ 0.50% · 4.625%
HK$46,559
+HK$2,331/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,456/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,494
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,003
−HK$1,532/mo
Today · 4.125%
HK$51,535
baseline
▲ 0.50% · 4.625%
HK$54,671
+HK$3,136/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,070/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,949
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,396
−HK$1,468/mo
Today · 4.125%
HK$56,864
baseline
▲ 0.50% · 4.625%
HK$59,861
+HK$2,997/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,728/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,063 · Scale 2, in force from 26 Feb 2026)