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$26,857
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,693
−HK$849/mo
Today · 4.125%
HK$28,542
baseline
▲ 0.50% · 4.625%
HK$30,278
+HK$1,736/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,084/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,879
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,680
−HK$813/mo
Today · 4.125%
HK$31,493
baseline
▲ 0.50% · 4.625%
HK$33,153
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,986/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,229
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,231
−HK$1,019/mo
Today · 4.125%
HK$34,250
baseline
▲ 0.50% · 4.625%
HK$36,334
+HK$2,084/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,500/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,854
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,816
−HK$976/mo
Today · 4.125%
HK$37,792
baseline
▲ 0.50% · 4.625%
HK$39,784
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,584/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,600
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,770
−HK$1,188/mo
Today · 4.125%
HK$39,958
baseline
▲ 0.50% · 4.625%
HK$42,390
+HK$2,432/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,916/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,830
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,952
−HK$1,138/mo
Today · 4.125%
HK$44,090
baseline
▲ 0.50% · 4.625%
HK$46,414
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,180/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,343
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,847
−HK$1,528/mo
Today · 4.125%
HK$51,375
baseline
▲ 0.50% · 4.625%
HK$54,501
+HK$3,126/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,750/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,782
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,224
−HK$1,463/mo
Today · 4.125%
HK$56,687
baseline
▲ 0.50% · 4.625%
HK$59,675
+HK$2,988/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,374/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,686 · Scale 2, in force from 26 Feb 2026)