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$26,816
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,650
−HK$848/mo
Today · 4.125%
HK$28,498
baseline
▲ 0.50% · 4.625%
HK$30,232
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,996/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,833
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,633
−HK$812/mo
Today · 4.125%
HK$31,445
baseline
▲ 0.50% · 4.625%
HK$33,102
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,890/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,180
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,180
−HK$1,017/mo
Today · 4.125%
HK$34,197
baseline
▲ 0.50% · 4.625%
HK$36,278
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$68,394/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,799
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,760
−HK$974/mo
Today · 4.125%
HK$37,734
baseline
▲ 0.50% · 4.625%
HK$39,722
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$75,468/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,543
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,711
−HK$1,186/mo
Today · 4.125%
HK$39,897
baseline
▲ 0.50% · 4.625%
HK$42,325
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,794/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,766
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,886
−HK$1,136/mo
Today · 4.125%
HK$44,022
baseline
▲ 0.50% · 4.625%
HK$46,343
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,044/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,269
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,771
−HK$1,525/mo
Today · 4.125%
HK$51,296
baseline
▲ 0.50% · 4.625%
HK$54,417
+HK$3,121/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,592/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,699
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,139
−HK$1,461/mo
Today · 4.125%
HK$56,600
baseline
▲ 0.50% · 4.625%
HK$59,584
+HK$2,984/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,200/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,008 · Scale 2, in force from 26 Feb 2026)