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$26,808
−HK$1,682/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$440,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,824
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,624
−HK$811/mo
Today · 4.125%
HK$31,435
baseline
▲ 0.50% · 4.625%
HK$33,092
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,870/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,170
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,171
−HK$1,016/mo
Today · 4.125%
HK$34,187
baseline
▲ 0.50% · 4.625%
HK$36,268
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,374/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,789
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,749
−HK$973/mo
Today · 4.125%
HK$37,722
baseline
▲ 0.50% · 4.625%
HK$39,711
+HK$1,989/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,444/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,532
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,699
−HK$1,186/mo
Today · 4.125%
HK$39,885
baseline
▲ 0.50% · 4.625%
HK$42,312
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,770/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,878 · 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$46,329
+HK$2,319/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$440,878 · 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$54,401
+HK$3,120/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$440,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,683
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,123
−HK$1,461/mo
Today · 4.125%
HK$56,584
baseline
▲ 0.50% · 4.625%
HK$59,566
+HK$2,982/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$440,878 · Scale 2, in force from 26 Feb 2026)