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$26,867
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,703
−HK$849/mo
Today · 4.125%
HK$28,552
baseline
▲ 0.50% · 4.625%
HK$30,289
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,104/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,889
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,691
−HK$813/mo
Today · 4.125%
HK$31,504
baseline
▲ 0.50% · 4.625%
HK$33,165
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,008/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,240
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,243
−HK$1,019/mo
Today · 4.125%
HK$34,262
baseline
▲ 0.50% · 4.625%
HK$36,347
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,524/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,867
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,829
−HK$976/mo
Today · 4.125%
HK$37,805
baseline
▲ 0.50% · 4.625%
HK$39,797
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,610/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,614
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,784
−HK$1,188/mo
Today · 4.125%
HK$39,972
baseline
▲ 0.50% · 4.625%
HK$42,405
+HK$2,433/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$79,944/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,845
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,967
−HK$1,139/mo
Today · 4.125%
HK$44,106
baseline
▲ 0.50% · 4.625%
HK$46,430
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$88,212/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,360
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,865
−HK$1,528/mo
Today · 4.125%
HK$51,393
baseline
▲ 0.50% · 4.625%
HK$54,520
+HK$3,127/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,786/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,800
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,243
−HK$1,464/mo
Today · 4.125%
HK$56,707
baseline
▲ 0.50% · 4.625%
HK$59,696
+HK$2,989/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,414/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,840 · Scale 2, in force from 26 Feb 2026)