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$1,689/mo
▼ 0.25% · 3.875%
HK$27,783
−HK$851/mo
Today · 4.125%
HK$28,634
baseline
▲ 0.50% · 4.625%
HK$30,377
+HK$1,743/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,268/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,976
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,780
−HK$815/mo
Today · 4.125%
HK$31,595
baseline
▲ 0.50% · 4.625%
HK$33,261
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,190/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,334
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,340
−HK$1,021/mo
Today · 4.125%
HK$34,361
baseline
▲ 0.50% · 4.625%
HK$36,452
+HK$2,091/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,722/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,971
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,936
−HK$978/mo
Today · 4.125%
HK$37,914
baseline
▲ 0.50% · 4.625%
HK$39,913
+HK$1,999/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,828/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,723
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,896
−HK$1,192/mo
Today · 4.125%
HK$40,088
baseline
▲ 0.50% · 4.625%
HK$42,528
+HK$2,440/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,176/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,966
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,092
−HK$1,141/mo
Today · 4.125%
HK$44,233
baseline
▲ 0.50% · 4.625%
HK$46,565
+HK$2,332/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,466/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,501
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,009
−HK$1,533/mo
Today · 4.125%
HK$51,542
baseline
▲ 0.50% · 4.625%
HK$54,678
+HK$3,136/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$443,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,956
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,404
−HK$1,468/mo
Today · 4.125%
HK$56,872
baseline
▲ 0.50% · 4.625%
HK$59,869
+HK$2,997/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$443,122 · Scale 2, in force from 26 Feb 2026)