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$26,878
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,714
−HK$850/mo
Today · 4.125%
HK$28,564
baseline
▲ 0.50% · 4.625%
HK$30,302
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,128/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,902
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,704
−HK$813/mo
Today · 4.125%
HK$31,517
baseline
▲ 0.50% · 4.625%
HK$33,179
+HK$1,662/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,034/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,254
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,257
−HK$1,020/mo
Today · 4.125%
HK$34,277
baseline
▲ 0.50% · 4.625%
HK$36,362
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,554/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,882
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,845
−HK$976/mo
Today · 4.125%
HK$37,821
baseline
▲ 0.50% · 4.625%
HK$39,814
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,642/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,630
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,800
−HK$1,189/mo
Today · 4.125%
HK$39,989
baseline
▲ 0.50% · 4.625%
HK$42,423
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,978/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,863
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,985
−HK$1,139/mo
Today · 4.125%
HK$44,124
baseline
▲ 0.50% · 4.625%
HK$46,450
+HK$2,326/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,248/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,381
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,886
−HK$1,529/mo
Today · 4.125%
HK$51,415
baseline
▲ 0.50% · 4.625%
HK$54,543
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,830/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,823
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,267
−HK$1,464/mo
Today · 4.125%
HK$56,731
baseline
▲ 0.50% · 4.625%
HK$59,722
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,462/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,028 · Scale 2, in force from 26 Feb 2026)