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$26,883
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,719
−HK$850/mo
Today · 4.125%
HK$28,569
baseline
▲ 0.50% · 4.625%
HK$30,307
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,138/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,907
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,709
−HK$814/mo
Today · 4.125%
HK$31,523
baseline
▲ 0.50% · 4.625%
HK$33,185
+HK$1,662/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,046/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,260
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,263
−HK$1,020/mo
Today · 4.125%
HK$34,283
baseline
▲ 0.50% · 4.625%
HK$36,369
+HK$2,086/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,566/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,889
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,851
−HK$977/mo
Today · 4.125%
HK$37,828
baseline
▲ 0.50% · 4.625%
HK$39,822
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$75,656/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,637
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,807
−HK$1,190/mo
Today · 4.125%
HK$39,997
baseline
▲ 0.50% · 4.625%
HK$42,430
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,994/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,870
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,993
−HK$1,139/mo
Today · 4.125%
HK$44,132
baseline
▲ 0.50% · 4.625%
HK$46,459
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,264/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,390
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,895
−HK$1,529/mo
Today · 4.125%
HK$51,424
baseline
▲ 0.50% · 4.625%
HK$54,553
+HK$3,129/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,848/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,833
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,277
−HK$1,465/mo
Today · 4.125%
HK$56,742
baseline
▲ 0.50% · 4.625%
HK$59,733
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,484/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,109 · Scale 2, in force from 26 Feb 2026)