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$26,874
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,710
−HK$849/mo
Today · 4.125%
HK$28,559
baseline
▲ 0.50% · 4.625%
HK$30,297
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,118/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,897
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,699
−HK$813/mo
Today · 4.125%
HK$31,512
baseline
▲ 0.50% · 4.625%
HK$33,173
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,024/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,249
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,252
−HK$1,019/mo
Today · 4.125%
HK$34,271
baseline
▲ 0.50% · 4.625%
HK$36,356
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,542/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,876
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,838
−HK$977/mo
Today · 4.125%
HK$37,815
baseline
▲ 0.50% · 4.625%
HK$39,808
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,630/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,623
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,794
−HK$1,189/mo
Today · 4.125%
HK$39,983
baseline
▲ 0.50% · 4.625%
HK$42,416
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,966/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,856
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,978
−HK$1,139/mo
Today · 4.125%
HK$44,117
baseline
▲ 0.50% · 4.625%
HK$46,442
+HK$2,325/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,234/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,373
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,878
−HK$1,528/mo
Today · 4.125%
HK$51,406
baseline
▲ 0.50% · 4.625%
HK$54,534
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,812/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,814
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,258
−HK$1,464/mo
Today · 4.125%
HK$56,722
baseline
▲ 0.50% · 4.625%
HK$59,712
+HK$2,990/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,444/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,955 · Scale 2, in force from 26 Feb 2026)