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$26,821
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,656
−HK$847/mo
Today · 4.125%
HK$28,503
baseline
▲ 0.50% · 4.625%
HK$30,238
+HK$1,735/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,006/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,839
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,639
−HK$812/mo
Today · 4.125%
HK$31,451
baseline
▲ 0.50% · 4.625%
HK$33,108
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,902/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,186
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,187
−HK$1,017/mo
Today · 4.125%
HK$34,204
baseline
▲ 0.50% · 4.625%
HK$36,285
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$68,408/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,806
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,767
−HK$974/mo
Today · 4.125%
HK$37,741
baseline
▲ 0.50% · 4.625%
HK$39,730
+HK$1,989/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$75,482/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,550
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,718
−HK$1,187/mo
Today · 4.125%
HK$39,905
baseline
▲ 0.50% · 4.625%
HK$42,333
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,810/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,774
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,894
−HK$1,137/mo
Today · 4.125%
HK$44,031
baseline
▲ 0.50% · 4.625%
HK$46,352
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,062/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,279
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,780
−HK$1,526/mo
Today · 4.125%
HK$51,306
baseline
▲ 0.50% · 4.625%
HK$54,428
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,612/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,709
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,150
−HK$1,461/mo
Today · 4.125%
HK$56,611
baseline
▲ 0.50% · 4.625%
HK$59,595
+HK$2,984/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,222/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,093 · Scale 2, in force from 26 Feb 2026)