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$26,807
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,641
−HK$847/mo
Today · 4.125%
HK$28,488
baseline
▲ 0.50% · 4.625%
HK$30,221
+HK$1,733/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,976/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,823
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,622
−HK$812/mo
Today · 4.125%
HK$31,434
baseline
▲ 0.50% · 4.625%
HK$33,091
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,868/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,168
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,169
−HK$1,017/mo
Today · 4.125%
HK$34,186
baseline
▲ 0.50% · 4.625%
HK$36,266
+HK$2,080/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,372/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,787
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,747
−HK$974/mo
Today · 4.125%
HK$37,721
baseline
▲ 0.50% · 4.625%
HK$39,709
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,442/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,530
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,697
−HK$1,186/mo
Today · 4.125%
HK$39,883
baseline
▲ 0.50% · 4.625%
HK$42,310
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,766/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,752
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,871
−HK$1,136/mo
Today · 4.125%
HK$44,007
baseline
▲ 0.50% · 4.625%
HK$46,327
+HK$2,320/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,014/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,253
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,754
−HK$1,525/mo
Today · 4.125%
HK$51,279
baseline
▲ 0.50% · 4.625%
HK$54,399
+HK$3,120/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,558/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,681
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,120
−HK$1,461/mo
Today · 4.125%
HK$56,581
baseline
▲ 0.50% · 4.625%
HK$59,563
+HK$2,982/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,162/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,856 · Scale 2, in force from 26 Feb 2026)