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$26,871
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,707
−HK$849/mo
Today · 4.125%
HK$28,556
baseline
▲ 0.50% · 4.625%
HK$30,294
+HK$1,738/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,112/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,894
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,696
−HK$813/mo
Today · 4.125%
HK$31,509
baseline
▲ 0.50% · 4.625%
HK$33,170
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,018/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,246
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,249
−HK$1,019/mo
Today · 4.125%
HK$34,268
baseline
▲ 0.50% · 4.625%
HK$36,353
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,536/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,873
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,835
−HK$976/mo
Today · 4.125%
HK$37,811
baseline
▲ 0.50% · 4.625%
HK$39,804
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,622/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,620
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,790
−HK$1,189/mo
Today · 4.125%
HK$39,979
baseline
▲ 0.50% · 4.625%
HK$42,412
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,958/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,852
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,974
−HK$1,139/mo
Today · 4.125%
HK$44,113
baseline
▲ 0.50% · 4.625%
HK$46,438
+HK$2,325/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,226/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,368
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,873
−HK$1,528/mo
Today · 4.125%
HK$51,401
baseline
▲ 0.50% · 4.625%
HK$54,529
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,802/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,809
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,252
−HK$1,464/mo
Today · 4.125%
HK$56,716
baseline
▲ 0.50% · 4.625%
HK$59,706
+HK$2,990/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,432/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,913 · Scale 2, in force from 26 Feb 2026)