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$26,877
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,713
−HK$849/mo
Today · 4.125%
HK$28,562
baseline
▲ 0.50% · 4.625%
HK$30,300
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,124/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,900
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,702
−HK$813/mo
Today · 4.125%
HK$31,515
baseline
▲ 0.50% · 4.625%
HK$33,177
+HK$1,662/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,030/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,252
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,255
−HK$1,019/mo
Today · 4.125%
HK$34,274
baseline
▲ 0.50% · 4.625%
HK$36,360
+HK$2,086/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,548/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,880
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,842
−HK$976/mo
Today · 4.125%
HK$37,818
baseline
▲ 0.50% · 4.625%
HK$39,812
+HK$1,994/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,636/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,627
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,798
−HK$1,189/mo
Today · 4.125%
HK$39,987
baseline
▲ 0.50% · 4.625%
HK$42,420
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,974/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,860
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,983
−HK$1,139/mo
Today · 4.125%
HK$44,122
baseline
▲ 0.50% · 4.625%
HK$46,447
+HK$2,325/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,244/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,378
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,883
−HK$1,529/mo
Today · 4.125%
HK$51,412
baseline
▲ 0.50% · 4.625%
HK$54,540
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,824/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,820
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,263
−HK$1,465/mo
Today · 4.125%
HK$56,728
baseline
▲ 0.50% · 4.625%
HK$59,718
+HK$2,990/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,456/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,000 · Scale 2, in force from 26 Feb 2026)