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$26,845
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,680
−HK$849/mo
Today · 4.125%
HK$28,529
baseline
▲ 0.50% · 4.625%
HK$30,265
+HK$1,736/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,058/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,865
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,666
−HK$813/mo
Today · 4.125%
HK$31,479
baseline
▲ 0.50% · 4.625%
HK$33,138
+HK$1,659/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,958/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,214
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,216
−HK$1,018/mo
Today · 4.125%
HK$34,234
baseline
▲ 0.50% · 4.625%
HK$36,317
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,468/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,838
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,799
−HK$975/mo
Today · 4.125%
HK$37,774
baseline
▲ 0.50% · 4.625%
HK$39,765
+HK$1,991/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,548/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,583
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,752
−HK$1,188/mo
Today · 4.125%
HK$39,940
baseline
▲ 0.50% · 4.625%
HK$42,370
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,880/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,811
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,932
−HK$1,138/mo
Today · 4.125%
HK$44,070
baseline
▲ 0.50% · 4.625%
HK$46,393
+HK$2,323/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,140/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,321
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,824
−HK$1,528/mo
Today · 4.125%
HK$51,352
baseline
▲ 0.50% · 4.625%
HK$54,476
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,704/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,757
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,199
−HK$1,462/mo
Today · 4.125%
HK$56,661
baseline
▲ 0.50% · 4.625%
HK$59,648
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,322/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,484 · Scale 2, in force from 26 Feb 2026)