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$26,960
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,799
−HK$852/mo
Today · 4.125%
HK$28,651
baseline
▲ 0.50% · 4.625%
HK$30,394
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,302/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,993
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,797
−HK$817/mo
Today · 4.125%
HK$31,614
baseline
▲ 0.50% · 4.625%
HK$33,280
+HK$1,666/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$443,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,352
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,359
−HK$1,022/mo
Today · 4.125%
HK$34,381
baseline
▲ 0.50% · 4.625%
HK$36,473
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,762/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,992
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,957
−HK$979/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$39,936
+HK$2,000/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,744
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,919
−HK$1,192/mo
Today · 4.125%
HK$40,111
baseline
▲ 0.50% · 4.625%
HK$42,552
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,222/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,990
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,116
−HK$1,143/mo
Today · 4.125%
HK$44,259
baseline
▲ 0.50% · 4.625%
HK$46,592
+HK$2,333/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,518/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,529
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,038
−HK$1,534/mo
Today · 4.125%
HK$51,572
baseline
▲ 0.50% · 4.625%
HK$54,710
+HK$3,138/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,144/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,988
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,435
−HK$1,469/mo
Today · 4.125%
HK$56,904
baseline
▲ 0.50% · 4.625%
HK$59,904
+HK$3,000/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,808/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,377 · Scale 2, in force from 26 Feb 2026)