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$26,836
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,671
−HK$848/mo
Today · 4.125%
HK$28,519
baseline
▲ 0.50% · 4.625%
HK$30,254
+HK$1,735/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,038/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,855
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,656
−HK$812/mo
Today · 4.125%
HK$31,468
baseline
▲ 0.50% · 4.625%
HK$33,127
+HK$1,659/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,936/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,203
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,205
−HK$1,018/mo
Today · 4.125%
HK$34,223
baseline
▲ 0.50% · 4.625%
HK$36,305
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,446/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,826
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,787
−HK$974/mo
Today · 4.125%
HK$37,761
baseline
▲ 0.50% · 4.625%
HK$39,752
+HK$1,991/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,522/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,571
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,739
−HK$1,188/mo
Today · 4.125%
HK$39,927
baseline
▲ 0.50% · 4.625%
HK$42,356
+HK$2,429/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,854/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,797
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,918
−HK$1,137/mo
Today · 4.125%
HK$44,055
baseline
▲ 0.50% · 4.625%
HK$46,377
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,110/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,305
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,808
−HK$1,526/mo
Today · 4.125%
HK$51,334
baseline
▲ 0.50% · 4.625%
HK$54,458
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,668/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,739
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,180
−HK$1,462/mo
Today · 4.125%
HK$56,642
baseline
▲ 0.50% · 4.625%
HK$59,628
+HK$2,986/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,284/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,335 · Scale 2, in force from 26 Feb 2026)