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$26,876
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,711
−HK$850/mo
Today · 4.125%
HK$28,561
baseline
▲ 0.50% · 4.625%
HK$30,299
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,122/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$441,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,899
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,701
−HK$813/mo
Today · 4.125%
HK$31,514
baseline
▲ 0.50% · 4.625%
HK$33,175
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,028/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$441,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,251
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,254
−HK$1,019/mo
Today · 4.125%
HK$34,273
baseline
▲ 0.50% · 4.625%
HK$36,358
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,546/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,878
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,841
−HK$976/mo
Today · 4.125%
HK$37,817
baseline
▲ 0.50% · 4.625%
HK$39,810
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,634/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,626
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,796
−HK$1,189/mo
Today · 4.125%
HK$39,985
baseline
▲ 0.50% · 4.625%
HK$42,418
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,970/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,858
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,981
−HK$1,139/mo
Today · 4.125%
HK$44,120
baseline
▲ 0.50% · 4.625%
HK$46,445
+HK$2,325/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,240/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,376
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,881
−HK$1,529/mo
Today · 4.125%
HK$51,410
baseline
▲ 0.50% · 4.625%
HK$54,538
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,820/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,818
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,261
−HK$1,464/mo
Today · 4.125%
HK$56,725
baseline
▲ 0.50% · 4.625%
HK$59,715
+HK$2,990/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,450/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,982 · Scale 2, in force from 26 Feb 2026)