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$26,860
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,696
−HK$849/mo
Today · 4.125%
HK$28,545
baseline
▲ 0.50% · 4.625%
HK$30,282
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,090/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,882
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,683
−HK$813/mo
Today · 4.125%
HK$31,496
baseline
▲ 0.50% · 4.625%
HK$33,156
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,992/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,232
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,235
−HK$1,019/mo
Today · 4.125%
HK$34,254
baseline
▲ 0.50% · 4.625%
HK$36,338
+HK$2,084/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,508/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,858
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,820
−HK$975/mo
Today · 4.125%
HK$37,795
baseline
▲ 0.50% · 4.625%
HK$39,788
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,590/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,604
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,774
−HK$1,189/mo
Today · 4.125%
HK$39,963
baseline
▲ 0.50% · 4.625%
HK$42,394
+HK$2,431/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$79,926/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,835
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,957
−HK$1,138/mo
Today · 4.125%
HK$44,095
baseline
▲ 0.50% · 4.625%
HK$46,419
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$88,190/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,349
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,852
−HK$1,528/mo
Today · 4.125%
HK$51,380
baseline
▲ 0.50% · 4.625%
HK$54,507
+HK$3,127/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,760/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,787
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,230
−HK$1,463/mo
Today · 4.125%
HK$56,693
baseline
▲ 0.50% · 4.625%
HK$59,682
+HK$2,989/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,386/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,732 · Scale 2, in force from 26 Feb 2026)