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$26,956
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,795
−HK$852/mo
Today · 4.125%
HK$28,647
baseline
▲ 0.50% · 4.625%
HK$30,390
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,294/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,989
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,793
−HK$816/mo
Today · 4.125%
HK$31,609
baseline
▲ 0.50% · 4.625%
HK$33,275
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,218/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,348
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,354
−HK$1,022/mo
Today · 4.125%
HK$34,376
baseline
▲ 0.50% · 4.625%
HK$36,468
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,752/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,987
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,952
−HK$979/mo
Today · 4.125%
HK$37,931
baseline
▲ 0.50% · 4.625%
HK$39,930
+HK$1,999/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,862/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,739
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,913
−HK$1,193/mo
Today · 4.125%
HK$40,106
baseline
▲ 0.50% · 4.625%
HK$42,546
+HK$2,440/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,212/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,984
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,110
−HK$1,143/mo
Today · 4.125%
HK$44,253
baseline
▲ 0.50% · 4.625%
HK$46,585
+HK$2,332/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,506/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,522
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,031
−HK$1,533/mo
Today · 4.125%
HK$51,564
baseline
▲ 0.50% · 4.625%
HK$54,702
+HK$3,138/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,128/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,980
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,428
−HK$1,468/mo
Today · 4.125%
HK$56,896
baseline
▲ 0.50% · 4.625%
HK$59,895
+HK$2,999/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,792/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,314 · Scale 2, in force from 26 Feb 2026)