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$26,943
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,781
−HK$852/mo
Today · 4.125%
HK$28,633
baseline
▲ 0.50% · 4.625%
HK$30,375
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,266/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,974
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,778
−HK$816/mo
Today · 4.125%
HK$31,594
baseline
▲ 0.50% · 4.625%
HK$33,259
+HK$1,665/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,188/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,332
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,338
−HK$1,022/mo
Today · 4.125%
HK$34,360
baseline
▲ 0.50% · 4.625%
HK$36,450
+HK$2,090/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,720/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,969
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,934
−HK$978/mo
Today · 4.125%
HK$37,912
baseline
▲ 0.50% · 4.625%
HK$39,911
+HK$1,999/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,824/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,721
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,894
−HK$1,192/mo
Today · 4.125%
HK$40,086
baseline
▲ 0.50% · 4.625%
HK$42,525
+HK$2,439/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,172/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,964
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,089
−HK$1,142/mo
Today · 4.125%
HK$44,231
baseline
▲ 0.50% · 4.625%
HK$46,563
+HK$2,332/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,462/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,498
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,007
−HK$1,532/mo
Today · 4.125%
HK$51,539
baseline
▲ 0.50% · 4.625%
HK$54,675
+HK$3,136/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,078/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,954
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,401
−HK$1,468/mo
Today · 4.125%
HK$56,869
baseline
▲ 0.50% · 4.625%
HK$59,866
+HK$2,997/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,738/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$443,099 · Scale 2, in force from 26 Feb 2026)