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$26,819
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,653
−HK$848/mo
Today · 4.125%
HK$28,501
baseline
▲ 0.50% · 4.625%
HK$30,235
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,002/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,836
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,636
−HK$812/mo
Today · 4.125%
HK$31,448
baseline
▲ 0.50% · 4.625%
HK$33,105
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,896/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,183
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,184
−HK$1,017/mo
Today · 4.125%
HK$34,201
baseline
▲ 0.50% · 4.625%
HK$36,282
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$68,402/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,803
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,763
−HK$974/mo
Today · 4.125%
HK$37,737
baseline
▲ 0.50% · 4.625%
HK$39,726
+HK$1,989/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$75,474/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,546
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,714
−HK$1,187/mo
Today · 4.125%
HK$39,901
baseline
▲ 0.50% · 4.625%
HK$42,329
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,802/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,770
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,890
−HK$1,137/mo
Today · 4.125%
HK$44,027
baseline
▲ 0.50% · 4.625%
HK$46,347
+HK$2,320/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,054/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,274
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,776
−HK$1,525/mo
Today · 4.125%
HK$51,301
baseline
▲ 0.50% · 4.625%
HK$54,423
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,602/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,704
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,145
−HK$1,461/mo
Today · 4.125%
HK$56,606
baseline
▲ 0.50% · 4.625%
HK$59,590
+HK$2,984/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,212/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,051 · Scale 2, in force from 26 Feb 2026)