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$26,812
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,646
−HK$848/mo
Today · 4.125%
HK$28,494
baseline
▲ 0.50% · 4.625%
HK$30,227
+HK$1,733/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,988/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,828
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,628
−HK$812/mo
Today · 4.125%
HK$31,440
baseline
▲ 0.50% · 4.625%
HK$33,097
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,880/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,175
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,176
−HK$1,016/mo
Today · 4.125%
HK$34,192
baseline
▲ 0.50% · 4.625%
HK$36,273
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$68,384/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,794
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,754
−HK$974/mo
Today · 4.125%
HK$37,728
baseline
▲ 0.50% · 4.625%
HK$39,717
+HK$1,989/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$75,456/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,537
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,705
−HK$1,186/mo
Today · 4.125%
HK$39,891
baseline
▲ 0.50% · 4.625%
HK$42,318
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,782/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,760
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,880
−HK$1,136/mo
Today · 4.125%
HK$44,016
baseline
▲ 0.50% · 4.625%
HK$46,336
+HK$2,320/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,032/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,262
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,763
−HK$1,526/mo
Today · 4.125%
HK$51,289
baseline
▲ 0.50% · 4.625%
HK$54,409
+HK$3,120/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,578/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,691
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,131
−HK$1,461/mo
Today · 4.125%
HK$56,592
baseline
▲ 0.50% · 4.625%
HK$59,575
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,184/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,944 · Scale 2, in force from 26 Feb 2026)