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$26,818
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,653
−HK$847/mo
Today · 4.125%
HK$28,500
baseline
▲ 0.50% · 4.625%
HK$30,234
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,000/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,835
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,635
−HK$812/mo
Today · 4.125%
HK$31,447
baseline
▲ 0.50% · 4.625%
HK$33,105
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,894/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,182
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,183
−HK$1,017/mo
Today · 4.125%
HK$34,200
baseline
▲ 0.50% · 4.625%
HK$36,281
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$68,400/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,802
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,762
−HK$975/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$441,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,546
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,714
−HK$1,186/mo
Today · 4.125%
HK$39,900
baseline
▲ 0.50% · 4.625%
HK$42,328
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,800/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,769
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,889
−HK$1,137/mo
Today · 4.125%
HK$44,026
baseline
▲ 0.50% · 4.625%
HK$46,347
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,052/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,273
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,775
−HK$1,525/mo
Today · 4.125%
HK$51,300
baseline
▲ 0.50% · 4.625%
HK$54,422
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,600/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,703
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,144
−HK$1,461/mo
Today · 4.125%
HK$56,605
baseline
▲ 0.50% · 4.625%
HK$59,588
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,210/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,043 · Scale 2, in force from 26 Feb 2026)