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$26,872
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,708
−HK$849/mo
Today · 4.125%
HK$28,557
baseline
▲ 0.50% · 4.625%
HK$30,295
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,114/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,895
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,697
−HK$813/mo
Today · 4.125%
HK$31,510
baseline
▲ 0.50% · 4.625%
HK$33,171
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,020/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,929 · 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$441,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,874
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,836
−HK$976/mo
Today · 4.125%
HK$37,812
baseline
▲ 0.50% · 4.625%
HK$39,806
+HK$1,994/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,624/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,621
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,791
−HK$1,189/mo
Today · 4.125%
HK$39,980
baseline
▲ 0.50% · 4.625%
HK$42,413
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,960/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,853
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,976
−HK$1,138/mo
Today · 4.125%
HK$44,114
baseline
▲ 0.50% · 4.625%
HK$46,440
+HK$2,326/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,228/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,370
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,875
−HK$1,528/mo
Today · 4.125%
HK$51,403
baseline
▲ 0.50% · 4.625%
HK$54,531
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,806/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,811
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,254
−HK$1,465/mo
Today · 4.125%
HK$56,719
baseline
▲ 0.50% · 4.625%
HK$59,708
+HK$2,989/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$441,929 · Scale 2, in force from 26 Feb 2026)