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$26,859
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,695
−HK$849/mo
Today · 4.125%
HK$28,544
baseline
▲ 0.50% · 4.625%
HK$30,281
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,088/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,881
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,682
−HK$813/mo
Today · 4.125%
HK$31,495
baseline
▲ 0.50% · 4.625%
HK$33,155
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,990/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,231
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,234
−HK$1,018/mo
Today · 4.125%
HK$34,252
baseline
▲ 0.50% · 4.625%
HK$36,337
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,504/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,857
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,819
−HK$975/mo
Today · 4.125%
HK$37,794
baseline
▲ 0.50% · 4.625%
HK$39,786
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,588/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,603
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,773
−HK$1,188/mo
Today · 4.125%
HK$39,961
baseline
▲ 0.50% · 4.625%
HK$42,393
+HK$2,432/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$79,922/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,833
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,955
−HK$1,138/mo
Today · 4.125%
HK$44,093
baseline
▲ 0.50% · 4.625%
HK$46,418
+HK$2,325/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$88,186/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,347
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,851
−HK$1,528/mo
Today · 4.125%
HK$51,379
baseline
▲ 0.50% · 4.625%
HK$54,505
+HK$3,126/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,758/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,786
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,228
−HK$1,463/mo
Today · 4.125%
HK$56,691
baseline
▲ 0.50% · 4.625%
HK$59,680
+HK$2,989/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,382/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,718 · Scale 2, in force from 26 Feb 2026)