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$26,840
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,675
−HK$848/mo
Today · 4.125%
HK$28,523
baseline
▲ 0.50% · 4.625%
HK$30,258
+HK$1,735/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,046/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,859
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,660
−HK$812/mo
Today · 4.125%
HK$31,472
baseline
▲ 0.50% · 4.625%
HK$33,131
+HK$1,659/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,944/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,208
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,209
−HK$1,018/mo
Today · 4.125%
HK$34,227
baseline
▲ 0.50% · 4.625%
HK$36,310
+HK$2,083/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$441,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,831
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,792
−HK$974/mo
Today · 4.125%
HK$37,766
baseline
▲ 0.50% · 4.625%
HK$39,757
+HK$1,991/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$441,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,576
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,744
−HK$1,188/mo
Today · 4.125%
HK$39,932
baseline
▲ 0.50% · 4.625%
HK$42,362
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,864/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,802
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,924
−HK$1,137/mo
Today · 4.125%
HK$44,061
baseline
▲ 0.50% · 4.625%
HK$46,383
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,122/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,311
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,814
−HK$1,527/mo
Today · 4.125%
HK$51,341
baseline
▲ 0.50% · 4.625%
HK$54,465
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,682/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,746
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,187
−HK$1,463/mo
Today · 4.125%
HK$56,650
baseline
▲ 0.50% · 4.625%
HK$59,636
+HK$2,986/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,300/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,393 · Scale 2, in force from 26 Feb 2026)