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$1,685/mo
▼ 0.25% · 3.875%
HK$27,714
−HK$849/mo
Today · 4.125%
HK$28,563
baseline
▲ 0.50% · 4.625%
HK$30,301
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,126/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,901
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,703
−HK$814/mo
Today · 4.125%
HK$31,517
baseline
▲ 0.50% · 4.625%
HK$33,178
+HK$1,661/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$442,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,253
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,257
−HK$1,019/mo
Today · 4.125%
HK$34,276
baseline
▲ 0.50% · 4.625%
HK$36,362
+HK$2,086/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,552/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,882
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,844
−HK$976/mo
Today · 4.125%
HK$37,820
baseline
▲ 0.50% · 4.625%
HK$39,814
+HK$1,994/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,640/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,629
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,799
−HK$1,190/mo
Today · 4.125%
HK$39,989
baseline
▲ 0.50% · 4.625%
HK$42,422
+HK$2,433/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$442,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,862
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,985
−HK$1,139/mo
Today · 4.125%
HK$44,124
baseline
▲ 0.50% · 4.625%
HK$46,449
+HK$2,325/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$442,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,380
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,885
−HK$1,529/mo
Today · 4.125%
HK$51,414
baseline
▲ 0.50% · 4.625%
HK$54,542
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,828/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,822
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,266
−HK$1,464/mo
Today · 4.125%
HK$56,730
baseline
▲ 0.50% · 4.625%
HK$59,721
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,460/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,021 · Scale 2, in force from 26 Feb 2026)