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$26,827
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,662
−HK$848/mo
Today · 4.125%
HK$28,510
baseline
▲ 0.50% · 4.625%
HK$30,244
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,020/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,845
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,646
−HK$812/mo
Today · 4.125%
HK$31,458
baseline
▲ 0.50% · 4.625%
HK$33,116
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,916/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,193
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,194
−HK$1,018/mo
Today · 4.125%
HK$34,212
baseline
▲ 0.50% · 4.625%
HK$36,293
+HK$2,081/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,424/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,814
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,775
−HK$974/mo
Today · 4.125%
HK$37,749
baseline
▲ 0.50% · 4.625%
HK$39,739
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,498/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,558
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,727
−HK$1,186/mo
Today · 4.125%
HK$39,913
baseline
▲ 0.50% · 4.625%
HK$42,342
+HK$2,429/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,826/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,783
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,904
−HK$1,137/mo
Today · 4.125%
HK$44,041
baseline
▲ 0.50% · 4.625%
HK$46,362
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,082/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,289
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,791
−HK$1,526/mo
Today · 4.125%
HK$51,317
baseline
▲ 0.50% · 4.625%
HK$54,440
+HK$3,123/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,634/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,721
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,162
−HK$1,462/mo
Today · 4.125%
HK$56,624
baseline
▲ 0.50% · 4.625%
HK$59,608
+HK$2,984/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,248/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,189 · Scale 2, in force from 26 Feb 2026)