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$26,838
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,673
−HK$848/mo
Today · 4.125%
HK$28,521
baseline
▲ 0.50% · 4.625%
HK$30,256
+HK$1,735/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,042/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,857
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,657
−HK$813/mo
Today · 4.125%
HK$31,470
baseline
▲ 0.50% · 4.625%
HK$33,129
+HK$1,659/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,940/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,205
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,207
−HK$1,018/mo
Today · 4.125%
HK$34,225
baseline
▲ 0.50% · 4.625%
HK$36,307
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,450/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,828
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,789
−HK$975/mo
Today · 4.125%
HK$37,764
baseline
▲ 0.50% · 4.625%
HK$39,754
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,528/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,573
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,742
−HK$1,187/mo
Today · 4.125%
HK$39,929
baseline
▲ 0.50% · 4.625%
HK$42,359
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,858/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,799
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,920
−HK$1,138/mo
Today · 4.125%
HK$44,058
baseline
▲ 0.50% · 4.625%
HK$46,380
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,116/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,308
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,811
−HK$1,526/mo
Today · 4.125%
HK$51,337
baseline
▲ 0.50% · 4.625%
HK$54,461
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,674/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,742
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,183
−HK$1,463/mo
Today · 4.125%
HK$56,646
baseline
▲ 0.50% · 4.625%
HK$59,631
+HK$2,985/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,292/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,361 · Scale 2, in force from 26 Feb 2026)