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$26,822
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,656
−HK$848/mo
Today · 4.125%
HK$28,504
baseline
▲ 0.50% · 4.625%
HK$30,238
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,008/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,839
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,640
−HK$811/mo
Today · 4.125%
HK$31,451
baseline
▲ 0.50% · 4.625%
HK$33,109
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,902/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,187
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,188
−HK$1,017/mo
Today · 4.125%
HK$34,205
baseline
▲ 0.50% · 4.625%
HK$36,286
+HK$2,081/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,410/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,807
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,768
−HK$974/mo
Today · 4.125%
HK$37,742
baseline
▲ 0.50% · 4.625%
HK$39,731
+HK$1,989/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,484/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,551
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,719
−HK$1,187/mo
Today · 4.125%
HK$39,906
baseline
▲ 0.50% · 4.625%
HK$42,334
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,812/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,775
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,895
−HK$1,137/mo
Today · 4.125%
HK$44,032
baseline
▲ 0.50% · 4.625%
HK$46,353
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,064/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,280
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,782
−HK$1,525/mo
Today · 4.125%
HK$51,307
baseline
▲ 0.50% · 4.625%
HK$54,429
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,614/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,711
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,151
−HK$1,462/mo
Today · 4.125%
HK$56,613
baseline
▲ 0.50% · 4.625%
HK$59,597
+HK$2,984/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,226/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,104 · Scale 2, in force from 26 Feb 2026)