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$26,884
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,720
−HK$850/mo
Today · 4.125%
HK$28,570
baseline
▲ 0.50% · 4.625%
HK$30,308
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,140/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,908
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,710
−HK$814/mo
Today · 4.125%
HK$31,524
baseline
▲ 0.50% · 4.625%
HK$33,186
+HK$1,662/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,048/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,261
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,264
−HK$1,020/mo
Today · 4.125%
HK$34,284
baseline
▲ 0.50% · 4.625%
HK$36,370
+HK$2,086/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,568/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,890
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,852
−HK$977/mo
Today · 4.125%
HK$37,829
baseline
▲ 0.50% · 4.625%
HK$39,823
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$75,658/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,638
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,808
−HK$1,190/mo
Today · 4.125%
HK$39,998
baseline
▲ 0.50% · 4.625%
HK$42,432
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,996/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,872
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,995
−HK$1,139/mo
Today · 4.125%
HK$44,134
baseline
▲ 0.50% · 4.625%
HK$46,460
+HK$2,326/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,268/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,391
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,897
−HK$1,529/mo
Today · 4.125%
HK$51,426
baseline
▲ 0.50% · 4.625%
HK$54,555
+HK$3,129/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,852/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,835
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,279
−HK$1,464/mo
Today · 4.125%
HK$56,743
baseline
▲ 0.50% · 4.625%
HK$59,734
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,486/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,123 · Scale 2, in force from 26 Feb 2026)