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$26,798
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,631
−HK$847/mo
Today · 4.125%
HK$28,478
baseline
▲ 0.50% · 4.625%
HK$30,211
+HK$1,733/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,956/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,812
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,612
−HK$811/mo
Today · 4.125%
HK$31,423
baseline
▲ 0.50% · 4.625%
HK$33,079
+HK$1,656/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,846/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,158
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,158
−HK$1,016/mo
Today · 4.125%
HK$34,174
baseline
▲ 0.50% · 4.625%
HK$36,253
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,348/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,775
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,734
−HK$974/mo
Today · 4.125%
HK$37,708
baseline
▲ 0.50% · 4.625%
HK$39,695
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,416/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,517
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,684
−HK$1,186/mo
Today · 4.125%
HK$39,870
baseline
▲ 0.50% · 4.625%
HK$42,296
+HK$2,426/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,740/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,737
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,857
−HK$1,135/mo
Today · 4.125%
HK$43,992
baseline
▲ 0.50% · 4.625%
HK$46,311
+HK$2,319/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$87,984/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,236
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,737
−HK$1,524/mo
Today · 4.125%
HK$51,261
baseline
▲ 0.50% · 4.625%
HK$54,380
+HK$3,119/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,522/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,662
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,102
−HK$1,460/mo
Today · 4.125%
HK$56,562
baseline
▲ 0.50% · 4.625%
HK$59,543
+HK$2,981/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,124/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,706 · Scale 2, in force from 26 Feb 2026)