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$26,856
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,691
−HK$849/mo
Today · 4.125%
HK$28,540
baseline
▲ 0.50% · 4.625%
HK$30,276
+HK$1,736/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,080/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,877
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,678
−HK$813/mo
Today · 4.125%
HK$31,491
baseline
▲ 0.50% · 4.625%
HK$33,151
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,982/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,227
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,229
−HK$1,019/mo
Today · 4.125%
HK$34,248
baseline
▲ 0.50% · 4.625%
HK$36,331
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,496/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,852
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,813
−HK$976/mo
Today · 4.125%
HK$37,789
baseline
▲ 0.50% · 4.625%
HK$39,781
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,578/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,598
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,767
−HK$1,188/mo
Today · 4.125%
HK$39,955
baseline
▲ 0.50% · 4.625%
HK$42,387
+HK$2,432/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,910/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,827
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,949
−HK$1,138/mo
Today · 4.125%
HK$44,087
baseline
▲ 0.50% · 4.625%
HK$46,411
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,174/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,340
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,844
−HK$1,527/mo
Today · 4.125%
HK$51,371
baseline
▲ 0.50% · 4.625%
HK$54,497
+HK$3,126/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,742/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,778
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,220
−HK$1,463/mo
Today · 4.125%
HK$56,683
baseline
▲ 0.50% · 4.625%
HK$59,671
+HK$2,988/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,366/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,654 · Scale 2, in force from 26 Feb 2026)