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$26,847
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,682
−HK$849/mo
Today · 4.125%
HK$28,531
baseline
▲ 0.50% · 4.625%
HK$30,267
+HK$1,736/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,062/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,867
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,668
−HK$813/mo
Today · 4.125%
HK$31,481
baseline
▲ 0.50% · 4.625%
HK$33,140
+HK$1,659/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,962/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,217
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,219
−HK$1,018/mo
Today · 4.125%
HK$34,237
baseline
▲ 0.50% · 4.625%
HK$36,320
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,474/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,841
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,802
−HK$975/mo
Today · 4.125%
HK$37,777
baseline
▲ 0.50% · 4.625%
HK$39,769
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,554/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,586
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,755
−HK$1,188/mo
Today · 4.125%
HK$39,943
baseline
▲ 0.50% · 4.625%
HK$42,374
+HK$2,431/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,886/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,814
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,936
−HK$1,138/mo
Today · 4.125%
HK$44,074
baseline
▲ 0.50% · 4.625%
HK$46,397
+HK$2,323/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,148/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,325
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,828
−HK$1,528/mo
Today · 4.125%
HK$51,356
baseline
▲ 0.50% · 4.625%
HK$54,481
+HK$3,125/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,712/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,761
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,203
−HK$1,463/mo
Today · 4.125%
HK$56,666
baseline
▲ 0.50% · 4.625%
HK$59,653
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,332/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,519 · Scale 2, in force from 26 Feb 2026)