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$26,882
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,718
−HK$849/mo
Today · 4.125%
HK$28,567
baseline
▲ 0.50% · 4.625%
HK$30,306
+HK$1,739/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,134/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,905
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,707
−HK$814/mo
Today · 4.125%
HK$31,521
baseline
▲ 0.50% · 4.625%
HK$33,183
+HK$1,662/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,042/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,258
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,261
−HK$1,020/mo
Today · 4.125%
HK$34,281
baseline
▲ 0.50% · 4.625%
HK$36,367
+HK$2,086/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,562/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,887
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,849
−HK$976/mo
Today · 4.125%
HK$37,825
baseline
▲ 0.50% · 4.625%
HK$39,819
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$75,650/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,634
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,805
−HK$1,189/mo
Today · 4.125%
HK$39,994
baseline
▲ 0.50% · 4.625%
HK$42,428
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,988/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,868
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,990
−HK$1,140/mo
Today · 4.125%
HK$44,130
baseline
▲ 0.50% · 4.625%
HK$46,456
+HK$2,326/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,260/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,387
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,892
−HK$1,529/mo
Today · 4.125%
HK$51,421
baseline
▲ 0.50% · 4.625%
HK$54,550
+HK$3,129/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,842/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,830
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,273
−HK$1,465/mo
Today · 4.125%
HK$56,738
baseline
▲ 0.50% · 4.625%
HK$59,729
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,476/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,081 · Scale 2, in force from 26 Feb 2026)