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$26,945
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,783
−HK$852/mo
Today · 4.125%
HK$28,635
baseline
▲ 0.50% · 4.625%
HK$30,377
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,270/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,976
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,780
−HK$816/mo
Today · 4.125%
HK$31,596
baseline
▲ 0.50% · 4.625%
HK$33,261
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,192/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,334
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,340
−HK$1,022/mo
Today · 4.125%
HK$34,362
baseline
▲ 0.50% · 4.625%
HK$36,452
+HK$2,090/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,724/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,971
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,936
−HK$979/mo
Today · 4.125%
HK$37,915
baseline
▲ 0.50% · 4.625%
HK$39,913
+HK$1,998/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,830/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,723
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,896
−HK$1,193/mo
Today · 4.125%
HK$40,089
baseline
▲ 0.50% · 4.625%
HK$42,528
+HK$2,439/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,178/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,966
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,092
−HK$1,142/mo
Today · 4.125%
HK$44,234
baseline
▲ 0.50% · 4.625%
HK$46,565
+HK$2,331/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,468/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,501
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,010
−HK$1,532/mo
Today · 4.125%
HK$51,542
baseline
▲ 0.50% · 4.625%
HK$54,679
+HK$3,137/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,084/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,957
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,404
−HK$1,468/mo
Today · 4.125%
HK$56,872
baseline
▲ 0.50% · 4.625%
HK$59,870
+HK$2,998/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,744/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,125 · Scale 2, in force from 26 Feb 2026)