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$26,958
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,796
−HK$852/mo
Today · 4.125%
HK$28,648
baseline
▲ 0.50% · 4.625%
HK$30,391
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,296/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,990
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,795
−HK$815/mo
Today · 4.125%
HK$31,610
baseline
▲ 0.50% · 4.625%
HK$33,277
+HK$1,667/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,220/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,349
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,356
−HK$1,022/mo
Today · 4.125%
HK$34,378
baseline
▲ 0.50% · 4.625%
HK$36,470
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,756/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,988
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,953
−HK$980/mo
Today · 4.125%
HK$37,933
baseline
▲ 0.50% · 4.625%
HK$39,932
+HK$1,999/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,866/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,741
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,915
−HK$1,192/mo
Today · 4.125%
HK$40,107
baseline
▲ 0.50% · 4.625%
HK$42,548
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,214/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,986
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,112
−HK$1,143/mo
Today · 4.125%
HK$44,255
baseline
▲ 0.50% · 4.625%
HK$46,587
+HK$2,332/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,510/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,524
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,033
−HK$1,534/mo
Today · 4.125%
HK$51,567
baseline
▲ 0.50% · 4.625%
HK$54,704
+HK$3,137/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,134/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,982
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,430
−HK$1,469/mo
Today · 4.125%
HK$56,899
baseline
▲ 0.50% · 4.625%
HK$59,898
+HK$2,999/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,798/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,334 · Scale 2, in force from 26 Feb 2026)