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$26,858
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$848/mo
Today · 4.125%
HK$28,542
baseline
▲ 0.50% · 4.625%
HK$30,279
+HK$1,737/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$441,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,880
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,681
−HK$813/mo
Today · 4.125%
HK$31,494
baseline
▲ 0.50% · 4.625%
HK$33,154
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,988/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,230
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,232
−HK$1,019/mo
Today · 4.125%
HK$34,251
baseline
▲ 0.50% · 4.625%
HK$36,335
+HK$2,084/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,502/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,855
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,817
−HK$976/mo
Today · 4.125%
HK$37,793
baseline
▲ 0.50% · 4.625%
HK$39,785
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,586/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,602
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,771
−HK$1,188/mo
Today · 4.125%
HK$39,959
baseline
▲ 0.50% · 4.625%
HK$42,391
+HK$2,432/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$79,918/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,831
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,953
−HK$1,138/mo
Today · 4.125%
HK$44,091
baseline
▲ 0.50% · 4.625%
HK$46,415
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$88,182/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,345
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,849
−HK$1,527/mo
Today · 4.125%
HK$51,376
baseline
▲ 0.50% · 4.625%
HK$54,503
+HK$3,127/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,752/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,783
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,226
−HK$1,463/mo
Today · 4.125%
HK$56,689
baseline
▲ 0.50% · 4.625%
HK$59,677
+HK$2,988/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,378/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,698 · Scale 2, in force from 26 Feb 2026)