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$26,938
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,776
−HK$851/mo
Today · 4.125%
HK$28,627
baseline
▲ 0.50% · 4.625%
HK$30,369
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,254/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,968
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,772
−HK$815/mo
Today · 4.125%
HK$31,587
baseline
▲ 0.50% · 4.625%
HK$33,252
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,174/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,325
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,331
−HK$1,021/mo
Today · 4.125%
HK$34,352
baseline
▲ 0.50% · 4.625%
HK$36,443
+HK$2,091/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,704/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,961
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,926
−HK$978/mo
Today · 4.125%
HK$37,904
baseline
▲ 0.50% · 4.625%
HK$39,902
+HK$1,998/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,808/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,713
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,886
−HK$1,192/mo
Today · 4.125%
HK$40,078
baseline
▲ 0.50% · 4.625%
HK$42,516
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,156/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,955
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,080
−HK$1,142/mo
Today · 4.125%
HK$44,222
baseline
▲ 0.50% · 4.625%
HK$46,553
+HK$2,331/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,444/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,488
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,996
−HK$1,532/mo
Today · 4.125%
HK$51,528
baseline
▲ 0.50% · 4.625%
HK$54,664
+HK$3,136/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,056/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,942
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,389
−HK$1,468/mo
Today · 4.125%
HK$56,857
baseline
▲ 0.50% · 4.625%
HK$59,854
+HK$2,997/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,714/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,005 · Scale 2, in force from 26 Feb 2026)