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$26,842
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,677
−HK$849/mo
Today · 4.125%
HK$28,526
baseline
▲ 0.50% · 4.625%
HK$30,261
+HK$1,735/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,052/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,862
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,663
−HK$812/mo
Today · 4.125%
HK$31,475
baseline
▲ 0.50% · 4.625%
HK$33,134
+HK$1,659/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,950/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,211
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,213
−HK$1,018/mo
Today · 4.125%
HK$34,231
baseline
▲ 0.50% · 4.625%
HK$36,314
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,462/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,834
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,795
−HK$975/mo
Today · 4.125%
HK$37,770
baseline
▲ 0.50% · 4.625%
HK$39,761
+HK$1,991/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,540/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,579
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,748
−HK$1,188/mo
Today · 4.125%
HK$39,936
baseline
▲ 0.50% · 4.625%
HK$42,366
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,872/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,807
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,928
−HK$1,137/mo
Today · 4.125%
HK$44,065
baseline
▲ 0.50% · 4.625%
HK$46,388
+HK$2,323/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,130/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,316
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,819
−HK$1,527/mo
Today · 4.125%
HK$51,346
baseline
▲ 0.50% · 4.625%
HK$54,470
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,692/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,751
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,193
−HK$1,462/mo
Today · 4.125%
HK$56,655
baseline
▲ 0.50% · 4.625%
HK$59,642
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,310/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,437 · Scale 2, in force from 26 Feb 2026)