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$26,813
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,647
−HK$847/mo
Today · 4.125%
HK$28,494
baseline
▲ 0.50% · 4.625%
HK$30,228
+HK$1,734/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$440,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,829
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,629
−HK$811/mo
Today · 4.125%
HK$31,440
baseline
▲ 0.50% · 4.625%
HK$33,098
+HK$1,658/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$440,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,175
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,176
−HK$1,017/mo
Today · 4.125%
HK$34,193
baseline
▲ 0.50% · 4.625%
HK$36,273
+HK$2,080/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$68,386/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,795
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,755
−HK$974/mo
Today · 4.125%
HK$37,729
baseline
▲ 0.50% · 4.625%
HK$39,717
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$75,458/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,538
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,705
−HK$1,187/mo
Today · 4.125%
HK$39,892
baseline
▲ 0.50% · 4.625%
HK$42,319
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,784/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,760
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,880
−HK$1,137/mo
Today · 4.125%
HK$44,017
baseline
▲ 0.50% · 4.625%
HK$46,337
+HK$2,320/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,034/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,263
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,764
−HK$1,525/mo
Today · 4.125%
HK$51,289
baseline
▲ 0.50% · 4.625%
HK$54,410
+HK$3,121/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$440,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,692
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,132
−HK$1,461/mo
Today · 4.125%
HK$56,593
baseline
▲ 0.50% · 4.625%
HK$59,576
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,186/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,949 · Scale 2, in force from 26 Feb 2026)