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$26,813
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,647
−HK$848/mo
Today · 4.125%
HK$28,495
baseline
▲ 0.50% · 4.625%
HK$30,228
+HK$1,733/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,990/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,829
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,629
−HK$812/mo
Today · 4.125%
HK$31,441
baseline
▲ 0.50% · 4.625%
HK$33,098
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,882/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,176
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,177
−HK$1,017/mo
Today · 4.125%
HK$34,194
baseline
▲ 0.50% · 4.625%
HK$36,274
+HK$2,080/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$68,388/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,795
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,755
−HK$974/mo
Today · 4.125%
HK$37,729
baseline
▲ 0.50% · 4.625%
HK$39,718
+HK$1,989/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$75,458/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,539
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,706
−HK$1,187/mo
Today · 4.125%
HK$39,893
baseline
▲ 0.50% · 4.625%
HK$42,320
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,786/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,761
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,881
−HK$1,136/mo
Today · 4.125%
HK$44,017
baseline
▲ 0.50% · 4.625%
HK$46,338
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,034/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,264
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,765
−HK$1,525/mo
Today · 4.125%
HK$51,290
baseline
▲ 0.50% · 4.625%
HK$54,411
+HK$3,121/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,580/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,693
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,133
−HK$1,461/mo
Today · 4.125%
HK$56,594
baseline
▲ 0.50% · 4.625%
HK$59,577
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,188/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,958 · Scale 2, in force from 26 Feb 2026)