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$26,835
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,670
−HK$848/mo
Today · 4.125%
HK$28,518
baseline
▲ 0.50% · 4.625%
HK$30,253
+HK$1,735/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,036/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,854
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,655
−HK$812/mo
Today · 4.125%
HK$31,467
baseline
▲ 0.50% · 4.625%
HK$33,125
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,934/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,202
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,204
−HK$1,018/mo
Today · 4.125%
HK$34,222
baseline
▲ 0.50% · 4.625%
HK$36,304
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,444/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,825
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,785
−HK$975/mo
Today · 4.125%
HK$37,760
baseline
▲ 0.50% · 4.625%
HK$39,751
+HK$1,991/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,520/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,569
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,738
−HK$1,187/mo
Today · 4.125%
HK$39,925
baseline
▲ 0.50% · 4.625%
HK$42,355
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,850/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,795
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,916
−HK$1,138/mo
Today · 4.125%
HK$44,054
baseline
▲ 0.50% · 4.625%
HK$46,376
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,108/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,303
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,806
−HK$1,526/mo
Today · 4.125%
HK$51,332
baseline
▲ 0.50% · 4.625%
HK$54,456
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,664/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,737
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,178
−HK$1,462/mo
Today · 4.125%
HK$56,640
baseline
▲ 0.50% · 4.625%
HK$59,626
+HK$2,986/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,280/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,319 · Scale 2, in force from 26 Feb 2026)