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$26,846
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,681
−HK$849/mo
Today · 4.125%
HK$28,530
baseline
▲ 0.50% · 4.625%
HK$30,266
+HK$1,736/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,060/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,866
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,667
−HK$813/mo
Today · 4.125%
HK$31,480
baseline
▲ 0.50% · 4.625%
HK$33,139
+HK$1,659/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,960/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,215
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,217
−HK$1,019/mo
Today · 4.125%
HK$34,236
baseline
▲ 0.50% · 4.625%
HK$36,319
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,472/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,839
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,800
−HK$976/mo
Today · 4.125%
HK$37,776
baseline
▲ 0.50% · 4.625%
HK$39,767
+HK$1,991/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,552/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,585
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,754
−HK$1,188/mo
Today · 4.125%
HK$39,942
baseline
▲ 0.50% · 4.625%
HK$42,372
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,884/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,813
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,934
−HK$1,138/mo
Today · 4.125%
HK$44,072
baseline
▲ 0.50% · 4.625%
HK$46,395
+HK$2,323/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,144/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,323
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,826
−HK$1,527/mo
Today · 4.125%
HK$51,353
baseline
▲ 0.50% · 4.625%
HK$54,478
+HK$3,125/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,706/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,759
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,201
−HK$1,462/mo
Today · 4.125%
HK$56,663
baseline
▲ 0.50% · 4.625%
HK$59,650
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,326/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,499 · Scale 2, in force from 26 Feb 2026)