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$26,839
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,674
−HK$848/mo
Today · 4.125%
HK$28,522
baseline
▲ 0.50% · 4.625%
HK$30,258
+HK$1,736/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,044/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,858
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,659
−HK$812/mo
Today · 4.125%
HK$31,471
baseline
▲ 0.50% · 4.625%
HK$33,130
+HK$1,659/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,942/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,207
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,209
−HK$1,018/mo
Today · 4.125%
HK$34,227
baseline
▲ 0.50% · 4.625%
HK$36,309
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,454/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,830
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,791
−HK$975/mo
Today · 4.125%
HK$37,766
baseline
▲ 0.50% · 4.625%
HK$39,756
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,532/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,575
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,743
−HK$1,188/mo
Today · 4.125%
HK$39,931
baseline
▲ 0.50% · 4.625%
HK$42,361
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,862/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,801
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,923
−HK$1,137/mo
Today · 4.125%
HK$44,060
baseline
▲ 0.50% · 4.625%
HK$46,382
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,120/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,310
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,813
−HK$1,527/mo
Today · 4.125%
HK$51,340
baseline
▲ 0.50% · 4.625%
HK$54,464
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,680/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,745
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,186
−HK$1,462/mo
Today · 4.125%
HK$56,648
baseline
▲ 0.50% · 4.625%
HK$59,634
+HK$2,986/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,296/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,383 · Scale 2, in force from 26 Feb 2026)