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$26,824
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,658
−HK$848/mo
Today · 4.125%
HK$28,506
baseline
▲ 0.50% · 4.625%
HK$30,240
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,012/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,841
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,641
−HK$812/mo
Today · 4.125%
HK$31,453
baseline
▲ 0.50% · 4.625%
HK$33,111
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,906/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,188
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,189
−HK$1,018/mo
Today · 4.125%
HK$34,207
baseline
▲ 0.50% · 4.625%
HK$36,288
+HK$2,081/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,414/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,809
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,769
−HK$975/mo
Today · 4.125%
HK$37,744
baseline
▲ 0.50% · 4.625%
HK$39,733
+HK$1,989/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,488/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,553
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,721
−HK$1,187/mo
Today · 4.125%
HK$39,908
baseline
▲ 0.50% · 4.625%
HK$42,336
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,816/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,777
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,898
−HK$1,136/mo
Today · 4.125%
HK$44,034
baseline
▲ 0.50% · 4.625%
HK$46,356
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,068/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,282
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,784
−HK$1,526/mo
Today · 4.125%
HK$51,310
baseline
▲ 0.50% · 4.625%
HK$54,432
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,620/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,714
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,154
−HK$1,462/mo
Today · 4.125%
HK$56,616
baseline
▲ 0.50% · 4.625%
HK$59,600
+HK$2,984/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,232/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,128 · Scale 2, in force from 26 Feb 2026)