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$26,849
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,685
−HK$848/mo
Today · 4.125%
HK$28,533
baseline
▲ 0.50% · 4.625%
HK$30,269
+HK$1,736/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,066/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,870
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,671
−HK$812/mo
Today · 4.125%
HK$31,483
baseline
▲ 0.50% · 4.625%
HK$33,143
+HK$1,660/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,966/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,219
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,222
−HK$1,018/mo
Today · 4.125%
HK$34,240
baseline
▲ 0.50% · 4.625%
HK$36,323
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,480/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,844
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,805
−HK$975/mo
Today · 4.125%
HK$37,780
baseline
▲ 0.50% · 4.625%
HK$39,772
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,560/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,589
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,758
−HK$1,188/mo
Today · 4.125%
HK$39,946
baseline
▲ 0.50% · 4.625%
HK$42,377
+HK$2,431/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,892/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,818
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,939
−HK$1,138/mo
Today · 4.125%
HK$44,077
baseline
▲ 0.50% · 4.625%
HK$46,400
+HK$2,323/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,154/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,329
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,832
−HK$1,528/mo
Today · 4.125%
HK$51,360
baseline
▲ 0.50% · 4.625%
HK$54,485
+HK$3,125/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,720/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,765
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,207
−HK$1,463/mo
Today · 4.125%
HK$56,670
baseline
▲ 0.50% · 4.625%
HK$59,657
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,340/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,553 · Scale 2, in force from 26 Feb 2026)