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$26,873
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,708
−HK$850/mo
Today · 4.125%
HK$28,558
baseline
▲ 0.50% · 4.625%
HK$30,295
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,116/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,895
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,697
−HK$814/mo
Today · 4.125%
HK$31,511
baseline
▲ 0.50% · 4.625%
HK$33,172
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,022/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,247
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,250
−HK$1,019/mo
Today · 4.125%
HK$34,269
baseline
▲ 0.50% · 4.625%
HK$36,354
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,538/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,875
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,837
−HK$976/mo
Today · 4.125%
HK$37,813
baseline
▲ 0.50% · 4.625%
HK$39,806
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,626/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,622
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,792
−HK$1,189/mo
Today · 4.125%
HK$39,981
baseline
▲ 0.50% · 4.625%
HK$42,414
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,962/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,854
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,976
−HK$1,139/mo
Today · 4.125%
HK$44,115
baseline
▲ 0.50% · 4.625%
HK$46,440
+HK$2,325/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,230/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,371
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,875
−HK$1,529/mo
Today · 4.125%
HK$51,404
baseline
▲ 0.50% · 4.625%
HK$54,532
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,808/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,812
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,255
−HK$1,464/mo
Today · 4.125%
HK$56,719
baseline
▲ 0.50% · 4.625%
HK$59,709
+HK$2,990/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,438/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,934 · Scale 2, in force from 26 Feb 2026)