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$26,826
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$848/mo
Today · 4.125%
HK$28,509
baseline
▲ 0.50% · 4.625%
HK$30,243
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,018/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,844
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,644
−HK$812/mo
Today · 4.125%
HK$31,456
baseline
▲ 0.50% · 4.625%
HK$33,114
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,912/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,192
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,193
−HK$1,017/mo
Today · 4.125%
HK$34,210
baseline
▲ 0.50% · 4.625%
HK$36,292
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,420/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,813
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,773
−HK$975/mo
Today · 4.125%
HK$37,748
baseline
▲ 0.50% · 4.625%
HK$39,737
+HK$1,989/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,496/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,557
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,725
−HK$1,187/mo
Today · 4.125%
HK$39,912
baseline
▲ 0.50% · 4.625%
HK$42,340
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,824/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,782
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,902
−HK$1,137/mo
Today · 4.125%
HK$44,039
baseline
▲ 0.50% · 4.625%
HK$46,360
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,078/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,287
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,789
−HK$1,526/mo
Today · 4.125%
HK$51,315
baseline
▲ 0.50% · 4.625%
HK$54,438
+HK$3,123/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,630/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,719
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,160
−HK$1,461/mo
Today · 4.125%
HK$56,621
baseline
▲ 0.50% · 4.625%
HK$59,606
+HK$2,985/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,242/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,173 · Scale 2, in force from 26 Feb 2026)