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$26,850
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,685
−HK$849/mo
Today · 4.125%
HK$28,534
baseline
▲ 0.50% · 4.625%
HK$30,270
+HK$1,736/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,068/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,871
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,672
−HK$812/mo
Today · 4.125%
HK$31,484
baseline
▲ 0.50% · 4.625%
HK$33,144
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,968/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,220
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,223
−HK$1,018/mo
Today · 4.125%
HK$34,241
baseline
▲ 0.50% · 4.625%
HK$36,324
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,482/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,845
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,806
−HK$975/mo
Today · 4.125%
HK$37,781
baseline
▲ 0.50% · 4.625%
HK$39,773
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,562/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,590
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,760
−HK$1,188/mo
Today · 4.125%
HK$39,948
baseline
▲ 0.50% · 4.625%
HK$42,378
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,896/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,819
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,940
−HK$1,138/mo
Today · 4.125%
HK$44,078
baseline
▲ 0.50% · 4.625%
HK$46,402
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,156/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,330
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,834
−HK$1,527/mo
Today · 4.125%
HK$51,361
baseline
▲ 0.50% · 4.625%
HK$54,486
+HK$3,125/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,722/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,767
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,209
−HK$1,463/mo
Today · 4.125%
HK$56,672
baseline
▲ 0.50% · 4.625%
HK$59,659
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,344/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,566 · Scale 2, in force from 26 Feb 2026)