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$26,802
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,635
−HK$847/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$30,215
+HK$1,733/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,816
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,616
−HK$811/mo
Today · 4.125%
HK$31,427
baseline
▲ 0.50% · 4.625%
HK$33,084
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,854/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,162
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,162
−HK$1,017/mo
Today · 4.125%
HK$34,179
baseline
▲ 0.50% · 4.625%
HK$36,258
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,358/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,780
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,739
−HK$974/mo
Today · 4.125%
HK$37,713
baseline
▲ 0.50% · 4.625%
HK$39,701
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,426/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,522
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,689
−HK$1,186/mo
Today · 4.125%
HK$39,875
baseline
▲ 0.50% · 4.625%
HK$42,301
+HK$2,426/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,750/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,743
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,863
−HK$1,135/mo
Today · 4.125%
HK$43,998
baseline
▲ 0.50% · 4.625%
HK$46,317
+HK$2,319/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$87,996/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,243
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,743
−HK$1,525/mo
Today · 4.125%
HK$51,268
baseline
▲ 0.50% · 4.625%
HK$54,388
+HK$3,120/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,536/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,670
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,109
−HK$1,460/mo
Today · 4.125%
HK$56,569
baseline
▲ 0.50% · 4.625%
HK$59,551
+HK$2,982/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,138/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,765 · Scale 2, in force from 26 Feb 2026)