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$26,879
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,715
−HK$850/mo
Today · 4.125%
HK$28,565
baseline
▲ 0.50% · 4.625%
HK$30,303
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,130/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,903
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,705
−HK$814/mo
Today · 4.125%
HK$31,519
baseline
▲ 0.50% · 4.625%
HK$33,180
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,038/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,255
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,259
−HK$1,019/mo
Today · 4.125%
HK$34,278
baseline
▲ 0.50% · 4.625%
HK$36,364
+HK$2,086/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,556/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,884
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,846
−HK$976/mo
Today · 4.125%
HK$37,822
baseline
▲ 0.50% · 4.625%
HK$39,816
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$75,644/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,631
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,802
−HK$1,189/mo
Today · 4.125%
HK$39,991
baseline
▲ 0.50% · 4.625%
HK$42,424
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,982/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,864
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,987
−HK$1,139/mo
Today · 4.125%
HK$44,126
baseline
▲ 0.50% · 4.625%
HK$46,452
+HK$2,326/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,252/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,383
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,888
−HK$1,529/mo
Today · 4.125%
HK$51,417
baseline
▲ 0.50% · 4.625%
HK$54,545
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,834/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,825
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,269
−HK$1,464/mo
Today · 4.125%
HK$56,733
baseline
▲ 0.50% · 4.625%
HK$59,724
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,466/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,046 · Scale 2, in force from 26 Feb 2026)