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$26,868
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,703
−HK$849/mo
Today · 4.125%
HK$28,552
baseline
▲ 0.50% · 4.625%
HK$30,290
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,104/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,890
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,692
−HK$813/mo
Today · 4.125%
HK$31,505
baseline
▲ 0.50% · 4.625%
HK$33,165
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,010/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,241
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,244
−HK$1,019/mo
Today · 4.125%
HK$34,263
baseline
▲ 0.50% · 4.625%
HK$36,348
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,526/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,868
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,830
−HK$976/mo
Today · 4.125%
HK$37,806
baseline
▲ 0.50% · 4.625%
HK$39,799
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,612/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,615
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,785
−HK$1,188/mo
Today · 4.125%
HK$39,973
baseline
▲ 0.50% · 4.625%
HK$42,406
+HK$2,433/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$79,946/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,846
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,968
−HK$1,139/mo
Today · 4.125%
HK$44,107
baseline
▲ 0.50% · 4.625%
HK$46,432
+HK$2,325/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$88,214/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,362
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,866
−HK$1,528/mo
Today · 4.125%
HK$51,394
baseline
▲ 0.50% · 4.625%
HK$54,522
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,788/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,802
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,245
−HK$1,464/mo
Today · 4.125%
HK$56,709
baseline
▲ 0.50% · 4.625%
HK$59,698
+HK$2,989/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,418/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,852 · Scale 2, in force from 26 Feb 2026)