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$26,827
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,662
−HK$847/mo
Today · 4.125%
HK$28,509
baseline
▲ 0.50% · 4.625%
HK$30,244
+HK$1,735/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,018/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,845
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,645
−HK$812/mo
Today · 4.125%
HK$31,457
baseline
▲ 0.50% · 4.625%
HK$33,116
+HK$1,659/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,914/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,193
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,194
−HK$1,017/mo
Today · 4.125%
HK$34,211
baseline
▲ 0.50% · 4.625%
HK$36,293
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,422/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,814
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,774
−HK$975/mo
Today · 4.125%
HK$37,749
baseline
▲ 0.50% · 4.625%
HK$39,739
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,498/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,558
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,726
−HK$1,187/mo
Today · 4.125%
HK$39,913
baseline
▲ 0.50% · 4.625%
HK$42,342
+HK$2,429/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,826/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,783
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,903
−HK$1,137/mo
Today · 4.125%
HK$44,040
baseline
▲ 0.50% · 4.625%
HK$46,362
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,080/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,289
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,791
−HK$1,526/mo
Today · 4.125%
HK$51,317
baseline
▲ 0.50% · 4.625%
HK$54,439
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,634/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,721
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,162
−HK$1,461/mo
Today · 4.125%
HK$56,623
baseline
▲ 0.50% · 4.625%
HK$59,608
+HK$2,985/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,246/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,187 · Scale 2, in force from 26 Feb 2026)