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$26,865
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,701
−HK$849/mo
Today · 4.125%
HK$28,550
baseline
▲ 0.50% · 4.625%
HK$30,287
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,100/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,887
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,689
−HK$813/mo
Today · 4.125%
HK$31,502
baseline
▲ 0.50% · 4.625%
HK$33,163
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,004/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,238
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,241
−HK$1,019/mo
Today · 4.125%
HK$34,260
baseline
▲ 0.50% · 4.625%
HK$36,345
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,520/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,865
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,827
−HK$975/mo
Today · 4.125%
HK$37,802
baseline
▲ 0.50% · 4.625%
HK$39,795
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,604/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,611
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,781
−HK$1,189/mo
Today · 4.125%
HK$39,970
baseline
▲ 0.50% · 4.625%
HK$42,402
+HK$2,432/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$79,940/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,842
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,964
−HK$1,139/mo
Today · 4.125%
HK$44,103
baseline
▲ 0.50% · 4.625%
HK$46,428
+HK$2,325/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$88,206/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,358
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,862
−HK$1,528/mo
Today · 4.125%
HK$51,390
baseline
▲ 0.50% · 4.625%
HK$54,517
+HK$3,127/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,780/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,797
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,240
−HK$1,464/mo
Today · 4.125%
HK$56,704
baseline
▲ 0.50% · 4.625%
HK$59,693
+HK$2,989/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,408/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,814 · Scale 2, in force from 26 Feb 2026)