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$26,808
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,642
−HK$847/mo
Today · 4.125%
HK$28,489
baseline
▲ 0.50% · 4.625%
HK$30,222
+HK$1,733/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,978/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,823
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,623
−HK$812/mo
Today · 4.125%
HK$31,435
baseline
▲ 0.50% · 4.625%
HK$33,092
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,870/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,169
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,170
−HK$1,017/mo
Today · 4.125%
HK$34,187
baseline
▲ 0.50% · 4.625%
HK$36,267
+HK$2,080/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,374/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,788
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,748
−HK$974/mo
Today · 4.125%
HK$37,722
baseline
▲ 0.50% · 4.625%
HK$39,710
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,444/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,531
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,698
−HK$1,186/mo
Today · 4.125%
HK$39,884
baseline
▲ 0.50% · 4.625%
HK$42,311
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,768/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,753
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,873
−HK$1,136/mo
Today · 4.125%
HK$44,009
baseline
▲ 0.50% · 4.625%
HK$46,328
+HK$2,319/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,018/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,254
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,755
−HK$1,525/mo
Today · 4.125%
HK$51,280
baseline
▲ 0.50% · 4.625%
HK$54,400
+HK$3,120/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,560/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,682
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,122
−HK$1,460/mo
Today · 4.125%
HK$56,582
baseline
▲ 0.50% · 4.625%
HK$59,565
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,164/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,869 · Scale 2, in force from 26 Feb 2026)