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$26,804
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,637
−HK$847/mo
Today · 4.125%
HK$28,484
baseline
▲ 0.50% · 4.625%
HK$30,218
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,968/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,819
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,618
−HK$812/mo
Today · 4.125%
HK$31,430
baseline
▲ 0.50% · 4.625%
HK$33,086
+HK$1,656/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,860/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,164
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,165
−HK$1,016/mo
Today · 4.125%
HK$34,181
baseline
▲ 0.50% · 4.625%
HK$36,261
+HK$2,080/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,362/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,782
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,742
−HK$974/mo
Today · 4.125%
HK$37,716
baseline
▲ 0.50% · 4.625%
HK$39,704
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,432/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,525
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,692
−HK$1,186/mo
Today · 4.125%
HK$39,878
baseline
▲ 0.50% · 4.625%
HK$42,305
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,756/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,746
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,866
−HK$1,136/mo
Today · 4.125%
HK$44,002
baseline
▲ 0.50% · 4.625%
HK$46,321
+HK$2,319/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,004/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,246
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,747
−HK$1,525/mo
Today · 4.125%
HK$51,272
baseline
▲ 0.50% · 4.625%
HK$54,392
+HK$3,120/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,544/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,674
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,113
−HK$1,460/mo
Today · 4.125%
HK$56,573
baseline
▲ 0.50% · 4.625%
HK$59,555
+HK$2,982/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,146/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,798 · Scale 2, in force from 26 Feb 2026)