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$26,881
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,717
−HK$849/mo
Today · 4.125%
HK$28,566
baseline
▲ 0.50% · 4.625%
HK$30,304
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,132/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,904
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,706
−HK$814/mo
Today · 4.125%
HK$31,520
baseline
▲ 0.50% · 4.625%
HK$33,182
+HK$1,662/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,040/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,257
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,260
−HK$1,020/mo
Today · 4.125%
HK$34,280
baseline
▲ 0.50% · 4.625%
HK$36,365
+HK$2,085/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,560/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,885
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,848
−HK$976/mo
Today · 4.125%
HK$37,824
baseline
▲ 0.50% · 4.625%
HK$39,818
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$75,648/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,633
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,803
−HK$1,190/mo
Today · 4.125%
HK$39,993
baseline
▲ 0.50% · 4.625%
HK$42,426
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,986/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,866
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,989
−HK$1,139/mo
Today · 4.125%
HK$44,128
baseline
▲ 0.50% · 4.625%
HK$46,454
+HK$2,326/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,256/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,385
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,890
−HK$1,529/mo
Today · 4.125%
HK$51,419
baseline
▲ 0.50% · 4.625%
HK$54,548
+HK$3,129/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,838/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,828
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,272
−HK$1,464/mo
Today · 4.125%
HK$56,736
baseline
▲ 0.50% · 4.625%
HK$59,727
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,472/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,066 · Scale 2, in force from 26 Feb 2026)