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$26,829
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,663
−HK$848/mo
Today · 4.125%
HK$28,511
baseline
▲ 0.50% · 4.625%
HK$30,246
+HK$1,735/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,022/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,847
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,647
−HK$812/mo
Today · 4.125%
HK$31,459
baseline
▲ 0.50% · 4.625%
HK$33,118
+HK$1,659/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,918/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,195
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,196
−HK$1,017/mo
Today · 4.125%
HK$34,213
baseline
▲ 0.50% · 4.625%
HK$36,295
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,426/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,816
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,777
−HK$974/mo
Today · 4.125%
HK$37,751
baseline
▲ 0.50% · 4.625%
HK$39,741
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,502/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,560
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,729
−HK$1,187/mo
Today · 4.125%
HK$39,916
baseline
▲ 0.50% · 4.625%
HK$42,344
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,832/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,785
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,906
−HK$1,137/mo
Today · 4.125%
HK$44,043
baseline
▲ 0.50% · 4.625%
HK$46,365
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,086/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,292
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,794
−HK$1,526/mo
Today · 4.125%
HK$51,320
baseline
▲ 0.50% · 4.625%
HK$54,443
+HK$3,123/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,640/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,724
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,165
−HK$1,462/mo
Today · 4.125%
HK$56,627
baseline
▲ 0.50% · 4.625%
HK$59,612
+HK$2,985/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,254/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,214 · Scale 2, in force from 26 Feb 2026)