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$26,930
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,768
−HK$851/mo
Today · 4.125%
HK$28,619
baseline
▲ 0.50% · 4.625%
HK$30,360
+HK$1,741/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,238/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,960
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,763
−HK$815/mo
Today · 4.125%
HK$31,578
baseline
▲ 0.50% · 4.625%
HK$33,243
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,156/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,316
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,321
−HK$1,022/mo
Today · 4.125%
HK$34,343
baseline
▲ 0.50% · 4.625%
HK$36,432
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$68,686/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,951
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,916
−HK$978/mo
Today · 4.125%
HK$37,894
baseline
▲ 0.50% · 4.625%
HK$39,891
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$75,788/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,702
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,875
−HK$1,191/mo
Today · 4.125%
HK$40,066
baseline
▲ 0.50% · 4.625%
HK$42,504
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,132/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,943
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,068
−HK$1,141/mo
Today · 4.125%
HK$44,209
baseline
▲ 0.50% · 4.625%
HK$46,540
+HK$2,331/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,418/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,474
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,982
−HK$1,532/mo
Today · 4.125%
HK$51,514
baseline
▲ 0.50% · 4.625%
HK$54,649
+HK$3,135/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,028/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,927
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,373
−HK$1,468/mo
Today · 4.125%
HK$56,841
baseline
▲ 0.50% · 4.625%
HK$59,837
+HK$2,996/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,682/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,881 · Scale 2, in force from 26 Feb 2026)