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$26,831
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,665
−HK$848/mo
Today · 4.125%
HK$28,513
baseline
▲ 0.50% · 4.625%
HK$30,248
+HK$1,735/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,026/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,849
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,650
−HK$812/mo
Today · 4.125%
HK$31,462
baseline
▲ 0.50% · 4.625%
HK$33,120
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,924/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,197
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,198
−HK$1,018/mo
Today · 4.125%
HK$34,216
baseline
▲ 0.50% · 4.625%
HK$36,298
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,432/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,819
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,779
−HK$975/mo
Today · 4.125%
HK$37,754
baseline
▲ 0.50% · 4.625%
HK$39,744
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,508/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,563
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,732
−HK$1,187/mo
Today · 4.125%
HK$39,919
baseline
▲ 0.50% · 4.625%
HK$42,348
+HK$2,429/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,838/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,789
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,909
−HK$1,137/mo
Today · 4.125%
HK$44,046
baseline
▲ 0.50% · 4.625%
HK$46,368
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,092/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,295
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,798
−HK$1,526/mo
Today · 4.125%
HK$51,324
baseline
▲ 0.50% · 4.625%
HK$54,447
+HK$3,123/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,648/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,728
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,169
−HK$1,462/mo
Today · 4.125%
HK$56,631
baseline
▲ 0.50% · 4.625%
HK$59,616
+HK$2,985/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,262/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,247 · Scale 2, in force from 26 Feb 2026)