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$26,821
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,655
−HK$848/mo
Today · 4.125%
HK$28,503
baseline
▲ 0.50% · 4.625%
HK$30,237
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,006/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,838
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,638
−HK$812/mo
Today · 4.125%
HK$31,450
baseline
▲ 0.50% · 4.625%
HK$33,108
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,900/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,185
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,186
−HK$1,017/mo
Today · 4.125%
HK$34,203
baseline
▲ 0.50% · 4.625%
HK$36,284
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$68,406/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,805
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,766
−HK$974/mo
Today · 4.125%
HK$37,740
baseline
▲ 0.50% · 4.625%
HK$39,729
+HK$1,989/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$75,480/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,549
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,717
−HK$1,187/mo
Today · 4.125%
HK$39,904
baseline
▲ 0.50% · 4.625%
HK$42,332
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,808/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,773
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,893
−HK$1,137/mo
Today · 4.125%
HK$44,030
baseline
▲ 0.50% · 4.625%
HK$46,351
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,060/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,277
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,779
−HK$1,526/mo
Today · 4.125%
HK$51,305
baseline
▲ 0.50% · 4.625%
HK$54,427
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,610/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,708
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,149
−HK$1,461/mo
Today · 4.125%
HK$56,610
baseline
▲ 0.50% · 4.625%
HK$59,594
+HK$2,984/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,220/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,082 · Scale 2, in force from 26 Feb 2026)