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$26,841
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$849/mo
Today · 4.125%
HK$28,525
baseline
▲ 0.50% · 4.625%
HK$30,260
+HK$1,735/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,050/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,861
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,662
−HK$812/mo
Today · 4.125%
HK$31,474
baseline
▲ 0.50% · 4.625%
HK$33,133
+HK$1,659/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,948/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,210
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,212
−HK$1,017/mo
Today · 4.125%
HK$34,229
baseline
▲ 0.50% · 4.625%
HK$36,312
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,458/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,833
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,794
−HK$975/mo
Today · 4.125%
HK$37,769
baseline
▲ 0.50% · 4.625%
HK$39,760
+HK$1,991/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,538/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,578
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,747
−HK$1,187/mo
Today · 4.125%
HK$39,934
baseline
▲ 0.50% · 4.625%
HK$42,364
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,868/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,805
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,926
−HK$1,138/mo
Today · 4.125%
HK$44,064
baseline
▲ 0.50% · 4.625%
HK$46,386
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,128/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,314
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,817
−HK$1,527/mo
Today · 4.125%
HK$51,344
baseline
▲ 0.50% · 4.625%
HK$54,468
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,688/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,749
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,191
−HK$1,462/mo
Today · 4.125%
HK$56,653
baseline
▲ 0.50% · 4.625%
HK$59,640
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,306/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,421 · Scale 2, in force from 26 Feb 2026)