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$26,873
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,709
−HK$849/mo
Today · 4.125%
HK$28,558
baseline
▲ 0.50% · 4.625%
HK$30,296
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,116/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,896
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,698
−HK$813/mo
Today · 4.125%
HK$31,511
baseline
▲ 0.50% · 4.625%
HK$33,172
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,022/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,248
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,251
−HK$1,019/mo
Today · 4.125%
HK$34,270
baseline
▲ 0.50% · 4.625%
HK$36,355
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,540/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,875
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,838
−HK$976/mo
Today · 4.125%
HK$37,814
baseline
▲ 0.50% · 4.625%
HK$39,807
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,628/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,622
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,793
−HK$1,189/mo
Today · 4.125%
HK$39,982
baseline
▲ 0.50% · 4.625%
HK$42,415
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,964/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,855
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,977
−HK$1,139/mo
Today · 4.125%
HK$44,116
baseline
▲ 0.50% · 4.625%
HK$46,441
+HK$2,325/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,232/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,372
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,876
−HK$1,529/mo
Today · 4.125%
HK$51,405
baseline
▲ 0.50% · 4.625%
HK$54,533
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,810/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,813
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,256
−HK$1,464/mo
Today · 4.125%
HK$56,720
baseline
▲ 0.50% · 4.625%
HK$59,710
+HK$2,990/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,440/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,944 · Scale 2, in force from 26 Feb 2026)