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$26,832
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,666
−HK$848/mo
Today · 4.125%
HK$28,514
baseline
▲ 0.50% · 4.625%
HK$30,249
+HK$1,735/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,028/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,850
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,650
−HK$813/mo
Today · 4.125%
HK$31,463
baseline
▲ 0.50% · 4.625%
HK$33,121
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,926/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,198
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,199
−HK$1,018/mo
Today · 4.125%
HK$34,217
baseline
▲ 0.50% · 4.625%
HK$36,299
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,434/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,820
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,780
−HK$975/mo
Today · 4.125%
HK$37,755
baseline
▲ 0.50% · 4.625%
HK$39,745
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,510/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,564
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,733
−HK$1,187/mo
Today · 4.125%
HK$39,920
baseline
▲ 0.50% · 4.625%
HK$42,349
+HK$2,429/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,840/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,790
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,911
−HK$1,137/mo
Today · 4.125%
HK$44,048
baseline
▲ 0.50% · 4.625%
HK$46,369
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,096/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,297
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,799
−HK$1,526/mo
Today · 4.125%
HK$51,325
baseline
▲ 0.50% · 4.625%
HK$54,448
+HK$3,123/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,650/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,730
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,171
−HK$1,462/mo
Today · 4.125%
HK$56,633
baseline
▲ 0.50% · 4.625%
HK$59,618
+HK$2,985/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,266/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,259 · Scale 2, in force from 26 Feb 2026)