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$26,868
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,704
−HK$849/mo
Today · 4.125%
HK$28,553
baseline
▲ 0.50% · 4.625%
HK$30,290
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,106/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,891
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,692
−HK$813/mo
Today · 4.125%
HK$31,505
baseline
▲ 0.50% · 4.625%
HK$33,166
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,010/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,242
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,245
−HK$1,019/mo
Today · 4.125%
HK$34,264
baseline
▲ 0.50% · 4.625%
HK$36,349
+HK$2,085/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,528/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,869
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,831
−HK$976/mo
Today · 4.125%
HK$37,807
baseline
▲ 0.50% · 4.625%
HK$39,799
+HK$1,992/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,614/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,615
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,786
−HK$1,188/mo
Today · 4.125%
HK$39,974
baseline
▲ 0.50% · 4.625%
HK$42,407
+HK$2,433/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$79,948/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,847
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,969
−HK$1,139/mo
Today · 4.125%
HK$44,108
baseline
▲ 0.50% · 4.625%
HK$46,433
+HK$2,325/mo
Deposit HK$3.53M · loan HK$8.25M · min. income ≈ HK$88,216/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,363
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,867
−HK$1,529/mo
Today · 4.125%
HK$51,396
baseline
▲ 0.50% · 4.625%
HK$54,523
+HK$3,127/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$102,792/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,803
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,246
−HK$1,464/mo
Today · 4.125%
HK$56,710
baseline
▲ 0.50% · 4.625%
HK$59,699
+HK$2,989/mo
Deposit HK$1.18M · loan HK$10.60M · min. income ≈ HK$113,420/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,862 · Scale 2, in force from 26 Feb 2026)