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$26,834
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,669
−HK$848/mo
Today · 4.125%
HK$28,517
baseline
▲ 0.50% · 4.625%
HK$30,252
+HK$1,735/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,034/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,853
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,653
−HK$813/mo
Today · 4.125%
HK$31,466
baseline
▲ 0.50% · 4.625%
HK$33,124
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,932/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,201
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,203
−HK$1,017/mo
Today · 4.125%
HK$34,220
baseline
▲ 0.50% · 4.625%
HK$36,302
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,440/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,823
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,784
−HK$975/mo
Today · 4.125%
HK$37,759
baseline
▲ 0.50% · 4.625%
HK$39,749
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,518/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,568
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,736
−HK$1,188/mo
Today · 4.125%
HK$39,924
baseline
▲ 0.50% · 4.625%
HK$42,353
+HK$2,429/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,848/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,794
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,915
−HK$1,137/mo
Today · 4.125%
HK$44,052
baseline
▲ 0.50% · 4.625%
HK$46,374
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,104/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,301
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,804
−HK$1,526/mo
Today · 4.125%
HK$51,330
baseline
▲ 0.50% · 4.625%
HK$54,454
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,660/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,735
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,176
−HK$1,462/mo
Today · 4.125%
HK$56,638
baseline
▲ 0.50% · 4.625%
HK$59,624
+HK$2,986/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,276/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,302 · Scale 2, in force from 26 Feb 2026)