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$26,939
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,777
−HK$851/mo
Today · 4.125%
HK$28,628
baseline
▲ 0.50% · 4.625%
HK$30,370
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,256/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,969
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,773
−HK$815/mo
Today · 4.125%
HK$31,588
baseline
▲ 0.50% · 4.625%
HK$33,253
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,176/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,326
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,332
−HK$1,022/mo
Today · 4.125%
HK$34,354
baseline
▲ 0.50% · 4.625%
HK$36,444
+HK$2,090/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,708/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,963
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,927
−HK$979/mo
Today · 4.125%
HK$37,906
baseline
▲ 0.50% · 4.625%
HK$39,904
+HK$1,998/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,812/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,714
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,887
−HK$1,192/mo
Today · 4.125%
HK$40,079
baseline
▲ 0.50% · 4.625%
HK$42,518
+HK$2,439/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,158/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,957
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,082
−HK$1,141/mo
Today · 4.125%
HK$44,223
baseline
▲ 0.50% · 4.625%
HK$46,555
+HK$2,332/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,446/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,490
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,998
−HK$1,532/mo
Today · 4.125%
HK$51,530
baseline
▲ 0.50% · 4.625%
HK$54,666
+HK$3,136/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,060/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,944
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,391
−HK$1,468/mo
Today · 4.125%
HK$56,859
baseline
▲ 0.50% · 4.625%
HK$59,856
+HK$2,997/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,718/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,022 · Scale 2, in force from 26 Feb 2026)