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$26,817
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,652
−HK$847/mo
Today · 4.125%
HK$28,499
baseline
▲ 0.50% · 4.625%
HK$30,233
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,998/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,834
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,634
−HK$812/mo
Today · 4.125%
HK$31,446
baseline
▲ 0.50% · 4.625%
HK$33,104
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,892/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,181
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,182
−HK$1,017/mo
Today · 4.125%
HK$34,199
baseline
▲ 0.50% · 4.625%
HK$36,280
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$68,398/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,801
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,761
−HK$974/mo
Today · 4.125%
HK$37,735
baseline
▲ 0.50% · 4.625%
HK$39,724
+HK$1,989/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$75,470/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,544
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,712
−HK$1,187/mo
Today · 4.125%
HK$39,899
baseline
▲ 0.50% · 4.625%
HK$42,327
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,798/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,768
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,888
−HK$1,136/mo
Today · 4.125%
HK$44,024
baseline
▲ 0.50% · 4.625%
HK$46,345
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,048/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,271
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,773
−HK$1,525/mo
Today · 4.125%
HK$51,298
baseline
▲ 0.50% · 4.625%
HK$54,420
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,596/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,701
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,142
−HK$1,461/mo
Today · 4.125%
HK$56,603
baseline
▲ 0.50% · 4.625%
HK$59,586
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,206/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,027 · Scale 2, in force from 26 Feb 2026)