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$1,684/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$849/mo
Today · 4.125%
HK$28,543
baseline
▲ 0.50% · 4.625%
HK$30,280
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,086/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,880
−HK$1,615/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$441,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,231
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,233
−HK$1,019/mo
Today · 4.125%
HK$34,252
baseline
▲ 0.50% · 4.625%
HK$36,336
+HK$2,084/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$441,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,856
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,818
−HK$975/mo
Today · 4.125%
HK$37,793
baseline
▲ 0.50% · 4.625%
HK$39,786
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,586/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,602
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,772
−HK$1,188/mo
Today · 4.125%
HK$39,960
baseline
▲ 0.50% · 4.625%
HK$42,392
+HK$2,432/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$79,920/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,832
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,954
−HK$1,138/mo
Today · 4.125%
HK$44,092
baseline
▲ 0.50% · 4.625%
HK$46,417
+HK$2,325/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$88,184/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,346
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,850
−HK$1,528/mo
Today · 4.125%
HK$51,378
baseline
▲ 0.50% · 4.625%
HK$54,504
+HK$3,126/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,756/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,784
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,227
−HK$1,463/mo
Today · 4.125%
HK$56,690
baseline
▲ 0.50% · 4.625%
HK$59,678
+HK$2,988/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,380/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,708 · Scale 2, in force from 26 Feb 2026)