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$26,973
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,812
−HK$853/mo
Today · 4.125%
HK$28,665
baseline
▲ 0.50% · 4.625%
HK$30,409
+HK$1,744/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,330/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,007
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,812
−HK$817/mo
Today · 4.125%
HK$31,629
baseline
▲ 0.50% · 4.625%
HK$33,296
+HK$1,667/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,258/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,368
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,375
−HK$1,023/mo
Today · 4.125%
HK$34,398
baseline
▲ 0.50% · 4.625%
HK$36,491
+HK$2,093/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,796/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,009
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,975
−HK$979/mo
Today · 4.125%
HK$37,954
baseline
▲ 0.50% · 4.625%
HK$39,955
+HK$2,001/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,908/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,763
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,937
−HK$1,194/mo
Today · 4.125%
HK$40,131
baseline
▲ 0.50% · 4.625%
HK$42,572
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$80,262/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,010
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,137
−HK$1,143/mo
Today · 4.125%
HK$44,280
baseline
▲ 0.50% · 4.625%
HK$46,614
+HK$2,334/mo
Deposit HK$3.55M · loan HK$8.28M · min. income ≈ HK$88,560/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,552
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,062
−HK$1,534/mo
Today · 4.125%
HK$51,596
baseline
▲ 0.50% · 4.625%
HK$54,736
+HK$3,140/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,192/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,013
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,462
−HK$1,470/mo
Today · 4.125%
HK$56,932
baseline
▲ 0.50% · 4.625%
HK$59,933
+HK$3,001/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,864/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,590 · Scale 2, in force from 26 Feb 2026)