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$26,811
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,645
−HK$847/mo
Today · 4.125%
HK$28,492
baseline
▲ 0.50% · 4.625%
HK$30,226
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,984/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,827
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,627
−HK$811/mo
Today · 4.125%
HK$31,438
baseline
▲ 0.50% · 4.625%
HK$33,095
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,876/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,173
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,174
−HK$1,016/mo
Today · 4.125%
HK$34,190
baseline
▲ 0.50% · 4.625%
HK$36,271
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,380/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,792
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,752
−HK$974/mo
Today · 4.125%
HK$37,726
baseline
▲ 0.50% · 4.625%
HK$39,714
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,452/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,535
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,703
−HK$1,186/mo
Today · 4.125%
HK$39,889
baseline
▲ 0.50% · 4.625%
HK$42,316
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,778/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,757
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,877
−HK$1,136/mo
Today · 4.125%
HK$44,013
baseline
▲ 0.50% · 4.625%
HK$46,333
+HK$2,320/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,026/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,259
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,761
−HK$1,525/mo
Today · 4.125%
HK$51,286
baseline
▲ 0.50% · 4.625%
HK$54,406
+HK$3,120/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,572/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,688
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,128
−HK$1,461/mo
Today · 4.125%
HK$56,589
baseline
▲ 0.50% · 4.625%
HK$59,572
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,178/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,918 · Scale 2, in force from 26 Feb 2026)