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$26,855
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,691
−HK$848/mo
Today · 4.125%
HK$28,539
baseline
▲ 0.50% · 4.625%
HK$30,276
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,078/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,876
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,677
−HK$813/mo
Today · 4.125%
HK$31,490
baseline
▲ 0.50% · 4.625%
HK$33,150
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,980/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,226
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,229
−HK$1,018/mo
Today · 4.125%
HK$34,247
baseline
▲ 0.50% · 4.625%
HK$36,331
+HK$2,084/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,494/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,851
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,813
−HK$975/mo
Today · 4.125%
HK$37,788
baseline
▲ 0.50% · 4.625%
HK$39,780
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,576/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,597
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,767
−HK$1,188/mo
Today · 4.125%
HK$39,955
baseline
▲ 0.50% · 4.625%
HK$42,386
+HK$2,431/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,910/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,827
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,948
−HK$1,138/mo
Today · 4.125%
HK$44,086
baseline
▲ 0.50% · 4.625%
HK$46,410
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,172/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,339
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,843
−HK$1,528/mo
Today · 4.125%
HK$51,371
baseline
▲ 0.50% · 4.625%
HK$54,497
+HK$3,126/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,742/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,777
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,219
−HK$1,464/mo
Today · 4.125%
HK$56,683
baseline
▲ 0.50% · 4.625%
HK$59,670
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,366/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,649 · Scale 2, in force from 26 Feb 2026)