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$26,823
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,658
−HK$847/mo
Today · 4.125%
HK$28,505
baseline
▲ 0.50% · 4.625%
HK$30,240
+HK$1,735/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,010/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,123 · 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$441,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,188
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,189
−HK$1,017/mo
Today · 4.125%
HK$34,206
baseline
▲ 0.50% · 4.625%
HK$36,288
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,412/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,809
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,769
−HK$974/mo
Today · 4.125%
HK$37,743
baseline
▲ 0.50% · 4.625%
HK$39,733
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,486/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,553
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,721
−HK$1,186/mo
Today · 4.125%
HK$39,907
baseline
▲ 0.50% · 4.625%
HK$42,336
+HK$2,429/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,814/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,777
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,897
−HK$1,137/mo
Today · 4.125%
HK$44,034
baseline
▲ 0.50% · 4.625%
HK$46,355
+HK$2,321/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$441,123 · 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$441,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,713
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,154
−HK$1,461/mo
Today · 4.125%
HK$56,615
baseline
▲ 0.50% · 4.625%
HK$59,599
+HK$2,984/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,230/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,123 · Scale 2, in force from 26 Feb 2026)