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$26,804
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,638
−HK$847/mo
Today · 4.125%
HK$28,485
baseline
▲ 0.50% · 4.625%
HK$30,219
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,970/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,820
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,619
−HK$812/mo
Today · 4.125%
HK$31,431
baseline
▲ 0.50% · 4.625%
HK$33,087
+HK$1,656/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,862/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,165
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,166
−HK$1,016/mo
Today · 4.125%
HK$34,182
baseline
▲ 0.50% · 4.625%
HK$36,262
+HK$2,080/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,364/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,784
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,743
−HK$974/mo
Today · 4.125%
HK$37,717
baseline
▲ 0.50% · 4.625%
HK$39,705
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,434/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,526
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,693
−HK$1,186/mo
Today · 4.125%
HK$39,879
baseline
▲ 0.50% · 4.625%
HK$42,306
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,758/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,748
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,867
−HK$1,136/mo
Today · 4.125%
HK$44,003
baseline
▲ 0.50% · 4.625%
HK$46,322
+HK$2,319/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,006/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,248
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,749
−HK$1,525/mo
Today · 4.125%
HK$51,274
baseline
▲ 0.50% · 4.625%
HK$54,393
+HK$3,119/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,548/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,675
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,115
−HK$1,460/mo
Today · 4.125%
HK$56,575
baseline
▲ 0.50% · 4.625%
HK$59,557
+HK$2,982/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,150/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,813 · Scale 2, in force from 26 Feb 2026)