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$26,857
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,693
−HK$848/mo
Today · 4.125%
HK$28,541
baseline
▲ 0.50% · 4.625%
HK$30,278
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,082/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,878
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,680
−HK$813/mo
Today · 4.125%
HK$31,493
baseline
▲ 0.50% · 4.625%
HK$33,153
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,986/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,229
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,231
−HK$1,019/mo
Today · 4.125%
HK$34,250
baseline
▲ 0.50% · 4.625%
HK$36,334
+HK$2,084/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,500/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,854
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,816
−HK$975/mo
Today · 4.125%
HK$37,791
baseline
▲ 0.50% · 4.625%
HK$39,783
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,582/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,600
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,770
−HK$1,188/mo
Today · 4.125%
HK$39,958
baseline
▲ 0.50% · 4.625%
HK$42,389
+HK$2,431/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,916/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,830
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,951
−HK$1,139/mo
Today · 4.125%
HK$44,090
baseline
▲ 0.50% · 4.625%
HK$46,414
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,180/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,343
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,847
−HK$1,527/mo
Today · 4.125%
HK$51,374
baseline
▲ 0.50% · 4.625%
HK$54,500
+HK$3,126/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,748/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,781
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,223
−HK$1,464/mo
Today · 4.125%
HK$56,687
baseline
▲ 0.50% · 4.625%
HK$59,675
+HK$2,988/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,374/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,680 · Scale 2, in force from 26 Feb 2026)