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$26,961
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,799
−HK$853/mo
Today · 4.125%
HK$28,652
baseline
▲ 0.50% · 4.625%
HK$30,395
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,304/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,994
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,798
−HK$816/mo
Today · 4.125%
HK$31,614
baseline
▲ 0.50% · 4.625%
HK$33,281
+HK$1,667/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,228/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,353
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,359
−HK$1,023/mo
Today · 4.125%
HK$34,382
baseline
▲ 0.50% · 4.625%
HK$36,474
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,764/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,992
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,958
−HK$979/mo
Today · 4.125%
HK$37,937
baseline
▲ 0.50% · 4.625%
HK$39,937
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,874/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,745
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,919
−HK$1,193/mo
Today · 4.125%
HK$40,112
baseline
▲ 0.50% · 4.625%
HK$42,553
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,224/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,991
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,117
−HK$1,143/mo
Today · 4.125%
HK$44,260
baseline
▲ 0.50% · 4.625%
HK$46,593
+HK$2,333/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,520/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,530
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,039
−HK$1,534/mo
Today · 4.125%
HK$51,573
baseline
▲ 0.50% · 4.625%
HK$54,711
+HK$3,138/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,146/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,989
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,437
−HK$1,468/mo
Today · 4.125%
HK$56,905
baseline
▲ 0.50% · 4.625%
HK$59,905
+HK$3,000/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,810/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,386 · Scale 2, in force from 26 Feb 2026)