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$26,845
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,681
−HK$848/mo
Today · 4.125%
HK$28,529
baseline
▲ 0.50% · 4.625%
HK$30,265
+HK$1,736/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,058/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,865
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,666
−HK$813/mo
Today · 4.125%
HK$31,479
baseline
▲ 0.50% · 4.625%
HK$33,138
+HK$1,659/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,958/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,215
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,217
−HK$1,018/mo
Today · 4.125%
HK$34,235
baseline
▲ 0.50% · 4.625%
HK$36,318
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,470/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,838
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,800
−HK$975/mo
Today · 4.125%
HK$37,775
baseline
▲ 0.50% · 4.625%
HK$39,766
+HK$1,991/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,550/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,584
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,753
−HK$1,187/mo
Today · 4.125%
HK$39,940
baseline
▲ 0.50% · 4.625%
HK$42,371
+HK$2,431/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,880/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,811
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,933
−HK$1,137/mo
Today · 4.125%
HK$44,070
baseline
▲ 0.50% · 4.625%
HK$46,393
+HK$2,323/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,140/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,322
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,825
−HK$1,527/mo
Today · 4.125%
HK$51,352
baseline
▲ 0.50% · 4.625%
HK$54,477
+HK$3,125/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,704/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,758
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,199
−HK$1,463/mo
Today · 4.125%
HK$56,662
baseline
▲ 0.50% · 4.625%
HK$59,649
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,324/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,488 · Scale 2, in force from 26 Feb 2026)