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$26,852
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,687
−HK$848/mo
Today · 4.125%
HK$28,535
baseline
▲ 0.50% · 4.625%
HK$30,272
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,070/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,872
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,673
−HK$813/mo
Today · 4.125%
HK$31,486
baseline
▲ 0.50% · 4.625%
HK$33,146
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,972/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,222
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,224
−HK$1,019/mo
Today · 4.125%
HK$34,243
baseline
▲ 0.50% · 4.625%
HK$36,326
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,486/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,847
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,808
−HK$975/mo
Today · 4.125%
HK$37,783
baseline
▲ 0.50% · 4.625%
HK$39,775
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,566/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,592
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,762
−HK$1,188/mo
Today · 4.125%
HK$39,950
baseline
▲ 0.50% · 4.625%
HK$42,380
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,900/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,821
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,943
−HK$1,137/mo
Today · 4.125%
HK$44,080
baseline
▲ 0.50% · 4.625%
HK$46,404
+HK$2,324/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,160/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,333
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,836
−HK$1,528/mo
Today · 4.125%
HK$51,364
baseline
▲ 0.50% · 4.625%
HK$54,489
+HK$3,125/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,728/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,770
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,212
−HK$1,463/mo
Today · 4.125%
HK$56,675
baseline
▲ 0.50% · 4.625%
HK$59,662
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,350/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,589 · Scale 2, in force from 26 Feb 2026)