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$26,823
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,657
−HK$848/mo
Today · 4.125%
HK$28,505
baseline
▲ 0.50% · 4.625%
HK$30,239
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,010/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,840
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,640
−HK$812/mo
Today · 4.125%
HK$31,452
baseline
▲ 0.50% · 4.625%
HK$33,110
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,904/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,187
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,189
−HK$1,017/mo
Today · 4.125%
HK$34,206
baseline
▲ 0.50% · 4.625%
HK$36,287
+HK$2,081/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,412/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,808
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,769
−HK$974/mo
Today · 4.125%
HK$37,743
baseline
▲ 0.50% · 4.625%
HK$39,732
+HK$1,989/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,486/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,552
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,720
−HK$1,187/mo
Today · 4.125%
HK$39,907
baseline
▲ 0.50% · 4.625%
HK$42,335
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,814/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,776
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,897
−HK$1,136/mo
Today · 4.125%
HK$44,033
baseline
▲ 0.50% · 4.625%
HK$46,354
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,066/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,281
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,783
−HK$1,526/mo
Today · 4.125%
HK$51,309
baseline
▲ 0.50% · 4.625%
HK$54,431
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,618/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,712
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,153
−HK$1,461/mo
Today · 4.125%
HK$56,614
baseline
▲ 0.50% · 4.625%
HK$59,598
+HK$2,984/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,228/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,117 · Scale 2, in force from 26 Feb 2026)