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$26,814
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,648
−HK$847/mo
Today · 4.125%
HK$28,495
baseline
▲ 0.50% · 4.625%
HK$30,229
+HK$1,734/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$440,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,830
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,630
−HK$811/mo
Today · 4.125%
HK$31,441
baseline
▲ 0.50% · 4.625%
HK$33,099
+HK$1,658/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$440,963 · 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$36,275
+HK$2,081/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$440,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,796
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,756
−HK$974/mo
Today · 4.125%
HK$37,730
baseline
▲ 0.50% · 4.625%
HK$39,718
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$75,460/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,539
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,707
−HK$1,186/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$440,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,762
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,882
−HK$1,136/mo
Today · 4.125%
HK$44,018
baseline
▲ 0.50% · 4.625%
HK$46,338
+HK$2,320/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,036/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,264
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,766
−HK$1,525/mo
Today · 4.125%
HK$51,291
baseline
▲ 0.50% · 4.625%
HK$54,412
+HK$3,121/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,582/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,694
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,134
−HK$1,461/mo
Today · 4.125%
HK$56,595
baseline
▲ 0.50% · 4.625%
HK$59,578
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,190/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,963 · Scale 2, in force from 26 Feb 2026)