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$26,870
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,705
−HK$850/mo
Today · 4.125%
HK$28,555
baseline
▲ 0.50% · 4.625%
HK$30,292
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,110/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,892
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,694
−HK$813/mo
Today · 4.125%
HK$31,507
baseline
▲ 0.50% · 4.625%
HK$33,168
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,014/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,244
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,247
−HK$1,019/mo
Today · 4.125%
HK$34,266
baseline
▲ 0.50% · 4.625%
HK$36,350
+HK$2,084/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,532/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,871
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,833
−HK$976/mo
Today · 4.125%
HK$37,809
baseline
▲ 0.50% · 4.625%
HK$39,802
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,618/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,617
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,788
−HK$1,188/mo
Today · 4.125%
HK$39,976
baseline
▲ 0.50% · 4.625%
HK$42,409
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,952/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,849
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,971
−HK$1,139/mo
Today · 4.125%
HK$44,110
baseline
▲ 0.50% · 4.625%
HK$46,435
+HK$2,325/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,220/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,365
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,870
−HK$1,528/mo
Today · 4.125%
HK$51,398
baseline
▲ 0.50% · 4.625%
HK$54,526
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,796/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,806
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,249
−HK$1,464/mo
Today · 4.125%
HK$56,713
baseline
▲ 0.50% · 4.625%
HK$59,702
+HK$2,989/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,426/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,885 · Scale 2, in force from 26 Feb 2026)