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$26,864
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,700
−HK$849/mo
Today · 4.125%
HK$28,549
baseline
▲ 0.50% · 4.625%
HK$30,286
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,098/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,886
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,688
−HK$813/mo
Today · 4.125%
HK$31,501
baseline
▲ 0.50% · 4.625%
HK$33,162
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,002/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,237
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,240
−HK$1,019/mo
Today · 4.125%
HK$34,259
baseline
▲ 0.50% · 4.625%
HK$36,343
+HK$2,084/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,518/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,864
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,826
−HK$975/mo
Today · 4.125%
HK$37,801
baseline
▲ 0.50% · 4.625%
HK$39,794
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,602/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,610
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,780
−HK$1,189/mo
Today · 4.125%
HK$39,969
baseline
▲ 0.50% · 4.625%
HK$42,401
+HK$2,432/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$79,938/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,841
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,963
−HK$1,138/mo
Today · 4.125%
HK$44,101
baseline
▲ 0.50% · 4.625%
HK$46,426
+HK$2,325/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$88,202/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,356
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,860
−HK$1,528/mo
Today · 4.125%
HK$51,388
baseline
▲ 0.50% · 4.625%
HK$54,515
+HK$3,127/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,776/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,795
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,238
−HK$1,464/mo
Today · 4.125%
HK$56,702
baseline
▲ 0.50% · 4.625%
HK$59,691
+HK$2,989/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,404/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,800 · Scale 2, in force from 26 Feb 2026)