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$26,799
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,633
−HK$847/mo
Today · 4.125%
HK$28,480
baseline
▲ 0.50% · 4.625%
HK$30,213
+HK$1,733/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,960/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,814
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,614
−HK$811/mo
Today · 4.125%
HK$31,425
baseline
▲ 0.50% · 4.625%
HK$33,081
+HK$1,656/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,850/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,159
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,160
−HK$1,016/mo
Today · 4.125%
HK$34,176
baseline
▲ 0.50% · 4.625%
HK$36,255
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,352/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,777
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,736
−HK$974/mo
Today · 4.125%
HK$37,710
baseline
▲ 0.50% · 4.625%
HK$39,698
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,420/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,519
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,686
−HK$1,186/mo
Today · 4.125%
HK$39,872
baseline
▲ 0.50% · 4.625%
HK$42,298
+HK$2,426/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,744/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,740
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,859
−HK$1,136/mo
Today · 4.125%
HK$43,995
baseline
▲ 0.50% · 4.625%
HK$46,314
+HK$2,319/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$87,990/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,239
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,739
−HK$1,525/mo
Today · 4.125%
HK$51,264
baseline
▲ 0.50% · 4.625%
HK$54,383
+HK$3,119/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,528/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,665
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,105
−HK$1,460/mo
Today · 4.125%
HK$56,565
baseline
▲ 0.50% · 4.625%
HK$59,546
+HK$2,981/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,130/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,730 · Scale 2, in force from 26 Feb 2026)