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$26,861
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,697
−HK$849/mo
Today · 4.125%
HK$28,546
baseline
▲ 0.50% · 4.625%
HK$30,283
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,092/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,883
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,685
−HK$813/mo
Today · 4.125%
HK$31,498
baseline
▲ 0.50% · 4.625%
HK$33,158
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,996/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,234
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,236
−HK$1,019/mo
Today · 4.125%
HK$34,255
baseline
▲ 0.50% · 4.625%
HK$36,339
+HK$2,084/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,510/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,860
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,821
−HK$976/mo
Today · 4.125%
HK$37,797
baseline
▲ 0.50% · 4.625%
HK$39,789
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,594/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,606
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,776
−HK$1,188/mo
Today · 4.125%
HK$39,964
baseline
▲ 0.50% · 4.625%
HK$42,396
+HK$2,432/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$79,928/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,836
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,958
−HK$1,139/mo
Today · 4.125%
HK$44,097
baseline
▲ 0.50% · 4.625%
HK$46,421
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$88,194/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,351
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,855
−HK$1,528/mo
Today · 4.125%
HK$51,383
baseline
▲ 0.50% · 4.625%
HK$54,509
+HK$3,126/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,766/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,790
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,232
−HK$1,464/mo
Today · 4.125%
HK$56,696
baseline
▲ 0.50% · 4.625%
HK$59,684
+HK$2,988/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,392/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,751 · Scale 2, in force from 26 Feb 2026)