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$26,955
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,793
−HK$852/mo
Today · 4.125%
HK$28,645
baseline
▲ 0.50% · 4.625%
HK$30,388
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,290/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,987
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,791
−HK$816/mo
Today · 4.125%
HK$31,607
baseline
▲ 0.50% · 4.625%
HK$33,273
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,214/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,346
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,352
−HK$1,022/mo
Today · 4.125%
HK$34,374
baseline
▲ 0.50% · 4.625%
HK$36,466
+HK$2,092/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,748/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,985
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,950
−HK$979/mo
Today · 4.125%
HK$37,929
baseline
▲ 0.50% · 4.625%
HK$39,928
+HK$1,999/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,858/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,737
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,911
−HK$1,192/mo
Today · 4.125%
HK$40,103
baseline
▲ 0.50% · 4.625%
HK$42,544
+HK$2,441/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$80,206/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,982
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,108
−HK$1,142/mo
Today · 4.125%
HK$44,250
baseline
▲ 0.50% · 4.625%
HK$46,583
+HK$2,333/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$88,500/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,519
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,028
−HK$1,533/mo
Today · 4.125%
HK$51,561
baseline
▲ 0.50% · 4.625%
HK$54,699
+HK$3,138/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,122/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,977
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,424
−HK$1,469/mo
Today · 4.125%
HK$56,893
baseline
▲ 0.50% · 4.625%
HK$59,892
+HK$2,999/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,786/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,289 · Scale 2, in force from 26 Feb 2026)