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$26,827
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$848/mo
Today · 4.125%
HK$28,509
baseline
▲ 0.50% · 4.625%
HK$30,244
+HK$1,735/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$441,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,844
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,645
−HK$812/mo
Today · 4.125%
HK$31,457
baseline
▲ 0.50% · 4.625%
HK$33,115
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,914/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,192
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,193
−HK$1,018/mo
Today · 4.125%
HK$34,211
baseline
▲ 0.50% · 4.625%
HK$36,292
+HK$2,081/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,422/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,813
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,774
−HK$974/mo
Today · 4.125%
HK$37,748
baseline
▲ 0.50% · 4.625%
HK$39,738
+HK$1,990/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$441,177 · 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$42,341
+HK$2,429/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$441,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,782
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,903
−HK$1,136/mo
Today · 4.125%
HK$44,039
baseline
▲ 0.50% · 4.625%
HK$46,361
+HK$2,322/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$441,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,288
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,790
−HK$1,526/mo
Today · 4.125%
HK$51,316
baseline
▲ 0.50% · 4.625%
HK$54,438
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,632/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,720
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,160
−HK$1,462/mo
Today · 4.125%
HK$56,622
baseline
▲ 0.50% · 4.625%
HK$59,607
+HK$2,985/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,244/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,177 · Scale 2, in force from 26 Feb 2026)