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$26,863
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,699
−HK$849/mo
Today · 4.125%
HK$28,548
baseline
▲ 0.50% · 4.625%
HK$30,285
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,096/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,885
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,687
−HK$813/mo
Today · 4.125%
HK$31,500
baseline
▲ 0.50% · 4.625%
HK$33,160
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,000/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,236
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,239
−HK$1,018/mo
Today · 4.125%
HK$34,257
baseline
▲ 0.50% · 4.625%
HK$36,342
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,514/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,862
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,824
−HK$976/mo
Today · 4.125%
HK$37,800
baseline
▲ 0.50% · 4.625%
HK$39,792
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,600/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,608
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,778
−HK$1,189/mo
Today · 4.125%
HK$39,967
baseline
▲ 0.50% · 4.625%
HK$42,399
+HK$2,432/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$79,934/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,839
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,961
−HK$1,138/mo
Today · 4.125%
HK$44,099
baseline
▲ 0.50% · 4.625%
HK$46,424
+HK$2,325/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$88,198/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,354
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,858
−HK$1,528/mo
Today · 4.125%
HK$51,386
baseline
▲ 0.50% · 4.625%
HK$54,513
+HK$3,127/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,772/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,793
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,236
−HK$1,463/mo
Today · 4.125%
HK$56,699
baseline
▲ 0.50% · 4.625%
HK$59,688
+HK$2,989/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,398/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,779 · Scale 2, in force from 26 Feb 2026)