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$26,933
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,771
−HK$851/mo
Today · 4.125%
HK$28,622
baseline
▲ 0.50% · 4.625%
HK$30,363
+HK$1,741/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,244/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,963
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,766
−HK$815/mo
Today · 4.125%
HK$31,581
baseline
▲ 0.50% · 4.625%
HK$33,246
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,162/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,319
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,325
−HK$1,021/mo
Today · 4.125%
HK$34,346
baseline
▲ 0.50% · 4.625%
HK$36,436
+HK$2,090/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$68,692/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,955
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,919
−HK$979/mo
Today · 4.125%
HK$37,898
baseline
▲ 0.50% · 4.625%
HK$39,895
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$75,796/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,706
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,879
−HK$1,192/mo
Today · 4.125%
HK$40,071
baseline
▲ 0.50% · 4.625%
HK$42,509
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,142/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,948
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,073
−HK$1,141/mo
Today · 4.125%
HK$44,214
baseline
▲ 0.50% · 4.625%
HK$46,544
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,428/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,479
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,987
−HK$1,532/mo
Today · 4.125%
HK$51,519
baseline
▲ 0.50% · 4.625%
HK$54,654
+HK$3,135/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,038/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,933
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,379
−HK$1,467/mo
Today · 4.125%
HK$56,846
baseline
▲ 0.50% · 4.625%
HK$59,843
+HK$2,997/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,692/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,926 · Scale 2, in force from 26 Feb 2026)