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$26,844
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,679
−HK$849/mo
Today · 4.125%
HK$28,528
baseline
▲ 0.50% · 4.625%
HK$30,263
+HK$1,735/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,056/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,864
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,665
−HK$812/mo
Today · 4.125%
HK$31,477
baseline
▲ 0.50% · 4.625%
HK$33,137
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,954/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,213
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,215
−HK$1,018/mo
Today · 4.125%
HK$34,233
baseline
▲ 0.50% · 4.625%
HK$36,316
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,466/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,837
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,798
−HK$975/mo
Today · 4.125%
HK$37,773
baseline
▲ 0.50% · 4.625%
HK$39,764
+HK$1,991/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,546/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,582
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,751
−HK$1,188/mo
Today · 4.125%
HK$39,939
baseline
▲ 0.50% · 4.625%
HK$42,369
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,878/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,810
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,931
−HK$1,137/mo
Today · 4.125%
HK$44,068
baseline
▲ 0.50% · 4.625%
HK$46,391
+HK$2,323/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,136/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,320
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,823
−HK$1,527/mo
Today · 4.125%
HK$51,350
baseline
▲ 0.50% · 4.625%
HK$54,474
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,700/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,755
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,197
−HK$1,462/mo
Today · 4.125%
HK$56,659
baseline
▲ 0.50% · 4.625%
HK$59,646
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,318/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,468 · Scale 2, in force from 26 Feb 2026)