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$1,684/mo
▼ 0.25% · 3.875%
HK$27,675
−HK$849/mo
Today · 4.125%
HK$28,524
baseline
▲ 0.50% · 4.625%
HK$30,259
+HK$1,735/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,048/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,860
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,661
−HK$812/mo
Today · 4.125%
HK$31,473
baseline
▲ 0.50% · 4.625%
HK$33,132
+HK$1,659/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,946/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,209
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,210
−HK$1,018/mo
Today · 4.125%
HK$34,228
baseline
▲ 0.50% · 4.625%
HK$36,311
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,456/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,832
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,793
−HK$975/mo
Today · 4.125%
HK$37,768
baseline
▲ 0.50% · 4.625%
HK$39,758
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,536/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,577
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,745
−HK$1,188/mo
Today · 4.125%
HK$39,933
baseline
▲ 0.50% · 4.625%
HK$42,363
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,866/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,804
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,925
−HK$1,137/mo
Today · 4.125%
HK$44,062
baseline
▲ 0.50% · 4.625%
HK$46,385
+HK$2,323/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,124/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,313
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,816
−HK$1,526/mo
Today · 4.125%
HK$51,342
baseline
▲ 0.50% · 4.625%
HK$54,466
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,684/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,747
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,189
−HK$1,462/mo
Today · 4.125%
HK$56,651
baseline
▲ 0.50% · 4.625%
HK$59,637
+HK$2,986/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,302/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,405 · Scale 2, in force from 26 Feb 2026)