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$26,857
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,692
−HK$849/mo
Today · 4.125%
HK$28,541
baseline
▲ 0.50% · 4.625%
HK$30,278
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,082/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,878
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,679
−HK$813/mo
Today · 4.125%
HK$31,492
baseline
▲ 0.50% · 4.625%
HK$33,152
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,984/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,228
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,231
−HK$1,018/mo
Today · 4.125%
HK$34,249
baseline
▲ 0.50% · 4.625%
HK$36,333
+HK$2,084/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,498/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,854
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,815
−HK$976/mo
Today · 4.125%
HK$37,791
baseline
▲ 0.50% · 4.625%
HK$39,783
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,582/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,600
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,769
−HK$1,189/mo
Today · 4.125%
HK$39,958
baseline
▲ 0.50% · 4.625%
HK$42,389
+HK$2,431/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,916/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,829
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,951
−HK$1,138/mo
Today · 4.125%
HK$44,089
baseline
▲ 0.50% · 4.625%
HK$46,413
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,178/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,343
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,846
−HK$1,528/mo
Today · 4.125%
HK$51,374
baseline
▲ 0.50% · 4.625%
HK$54,500
+HK$3,126/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,748/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,781
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,223
−HK$1,463/mo
Today · 4.125%
HK$56,686
baseline
▲ 0.50% · 4.625%
HK$59,674
+HK$2,988/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,372/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,677 · Scale 2, in force from 26 Feb 2026)