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$26,809
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,642
−HK$848/mo
Today · 4.125%
HK$28,490
baseline
▲ 0.50% · 4.625%
HK$30,223
+HK$1,733/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,980/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,824
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,624
−HK$812/mo
Today · 4.125%
HK$31,436
baseline
▲ 0.50% · 4.625%
HK$33,093
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,872/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,170
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,171
−HK$1,017/mo
Today · 4.125%
HK$34,188
baseline
▲ 0.50% · 4.625%
HK$36,268
+HK$2,080/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,376/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,789
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,749
−HK$974/mo
Today · 4.125%
HK$37,723
baseline
▲ 0.50% · 4.625%
HK$39,711
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,446/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,532
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,699
−HK$1,187/mo
Today · 4.125%
HK$39,886
baseline
▲ 0.50% · 4.625%
HK$42,312
+HK$2,426/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,772/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,754
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,874
−HK$1,136/mo
Today · 4.125%
HK$44,010
baseline
▲ 0.50% · 4.625%
HK$46,330
+HK$2,320/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,020/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,255
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,756
−HK$1,525/mo
Today · 4.125%
HK$51,281
baseline
▲ 0.50% · 4.625%
HK$54,402
+HK$3,121/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,562/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,684
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,123
−HK$1,461/mo
Today · 4.125%
HK$56,584
baseline
▲ 0.50% · 4.625%
HK$59,567
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,168/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,881 · Scale 2, in force from 26 Feb 2026)