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$26,825
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,659
−HK$848/mo
Today · 4.125%
HK$28,507
baseline
▲ 0.50% · 4.625%
HK$30,241
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,014/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,842
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,642
−HK$812/mo
Today · 4.125%
HK$31,454
baseline
▲ 0.50% · 4.625%
HK$33,112
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,908/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,190
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,191
−HK$1,017/mo
Today · 4.125%
HK$34,208
baseline
▲ 0.50% · 4.625%
HK$36,290
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,416/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,811
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,771
−HK$974/mo
Today · 4.125%
HK$37,745
baseline
▲ 0.50% · 4.625%
HK$39,735
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,490/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,554
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,723
−HK$1,186/mo
Today · 4.125%
HK$39,909
baseline
▲ 0.50% · 4.625%
HK$42,338
+HK$2,429/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,818/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,779
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,899
−HK$1,137/mo
Today · 4.125%
HK$44,036
baseline
▲ 0.50% · 4.625%
HK$46,357
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,072/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,284
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,786
−HK$1,526/mo
Today · 4.125%
HK$51,312
baseline
▲ 0.50% · 4.625%
HK$54,434
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,624/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,716
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,156
−HK$1,462/mo
Today · 4.125%
HK$56,618
baseline
▲ 0.50% · 4.625%
HK$59,602
+HK$2,984/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,236/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,145 · Scale 2, in force from 26 Feb 2026)