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$26,853
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,688
−HK$849/mo
Today · 4.125%
HK$28,537
baseline
▲ 0.50% · 4.625%
HK$30,274
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,074/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,874
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,675
−HK$813/mo
Today · 4.125%
HK$31,488
baseline
▲ 0.50% · 4.625%
HK$33,148
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,976/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,224
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,226
−HK$1,019/mo
Today · 4.125%
HK$34,245
baseline
▲ 0.50% · 4.625%
HK$36,328
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,490/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,849
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,810
−HK$975/mo
Today · 4.125%
HK$37,785
baseline
▲ 0.50% · 4.625%
HK$39,777
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,570/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,594
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,764
−HK$1,188/mo
Today · 4.125%
HK$39,952
baseline
▲ 0.50% · 4.625%
HK$42,383
+HK$2,431/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,904/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,823
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,945
−HK$1,138/mo
Today · 4.125%
HK$44,083
baseline
▲ 0.50% · 4.625%
HK$46,407
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,166/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,336
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,839
−HK$1,528/mo
Today · 4.125%
HK$51,367
baseline
▲ 0.50% · 4.625%
HK$54,492
+HK$3,125/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,734/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,773
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,215
−HK$1,463/mo
Today · 4.125%
HK$56,678
baseline
▲ 0.50% · 4.625%
HK$59,666
+HK$2,988/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,356/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,615 · Scale 2, in force from 26 Feb 2026)